Yes, you can always borrow that emergency fund. It's pretty much how corporations view lines of credit. You just need to make sure you borrow before (i.e. now because of low interest rates) before the sh1t hits the fan. Because by then, it's too late and no one will lend to you.

Hey Adam, I am Shawn. Are you guys open to bringing on affiliates? Would love to speak with you guys to promote this great app.