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Commera Funding

Business Capital Advisors

Fast, flexible business funding — structured by advisors.

Working capital, lines of credit, equipment, asset-based, and receivables financing — architected around your business by an advisor who structures the right capital, not just quotes an offer. First offers in 24 hours.

  • Up to $5M
    per advance
  • 6 funding products
    one advisor
  • Funding in days
    not weeks

Independent broker · 50 states served · no fees to applicants

Step 1 of 2

See if you qualify

Takes 60 seconds · No hard credit pull.

No hard credit pull · We never sell your information

Commera. Built by operators, for operators. We've raised capital, made payroll, and made the hard calls — just like you.

The product shelf

Six ways to fund a business.

We don't sell a product — we structure the right one. Your advisor reads the cash flow, recommends the fit, and places it with vetted funders.

Get my funding optionsNot sure which fits? Tell us your goal — your advisor recommends the structure.

How it works

A consultative process, start to funded.

  1. 01

    Tell us what you need

    Two minutes — how much, what for, and your monthly revenue. No hard credit pull.

  2. 02

    We structure your options

    Your advisor matches your file to the right product and 3–5 vetted funders — not 50.

  3. 03

    Compare real terms

    See factor rate or APR, payment, and total cost — all disclosed before you sign anything.

  4. 04

    Get funded

    Accept, upload a few documents, and funds can land in as little as 24–48 hours.

Why Commera

An advisor, not an application form.

  • 01

    Independent, not captive

    We're not a lender — we're your advisor. We architect the capital structure that fits your business and place it with vetted partners, never pushing one product.

  • 02

    We architect, we don't just quote

    We don't simply propose offers. We read your cash flow and architect the structure that best suits your needs. No stacking, ever — even when saying no costs us the deal.

  • 03

    Fast when it counts

    First offers within 24 hours, funding in days. Speed without losing the advisory.

  • 04

    One relationship, every product

    Six funding products under one advisor who knows your industry — not a form that blasts 50 lenders.

By the numbers

  • $5K–$5M
    Funding range
  • 50
    States served
  • <24hr
    To your first offer
  • 6
    Funding products
The team at Commera made a complicated process seamless and effortless. They are very professional and communicate throughout every step of the process.
Michael Freeman, C Squared Strategic SolutionsMichael FreemanC Squared Strategic Solutions · Boston

Testimonial 1 of 2: Michael Freeman, C Squared Strategic Solutions

Industries we fund

Capital that knows your trade.

All industries →

Questions

The honest answers.

What kinds of funding can Commera arrange?

Six products through our funding partners: business loans (including SBA referrals), business lines of credit, equipment financing and leasing, asset-based lending, receivables financing (invoice factoring and purchase-order financing), and revenue-based financing — also known as a merchant cash advance (MCA). Your advisor architects the right structure for your cash flow and goal.

Is Commera a direct lender?

No — we're business capital advisors, not a lender. We architect the right capital structure for your business and place it with a network of vetted funding partners. There are no fees to you; we're compensated by the partner on a completed deal.

How fast can I get funded?

Most applications receive preliminary offers within 24 hours. Once you accept an offer and provide basic documentation (typically a few months of bank statements), funds can be deposited within 24–48 hours.

What credit score do I need?

It depends on the product. Revenue-based and receivables financing weigh business revenue far more than personal credit — many partners approve scores as low as 500. Term loans and lines of credit consider credit more heavily. Your advisor will tell you which products you realistically qualify for.

Does applying affect my credit score?

No. Our initial application and pre-qualification does not require a hard credit pull. Some funders may perform a soft pull during underwriting, which does not affect your score.

How is Commera different?

Three ways: we architect a capital structure around your business instead of pushing one product; no stacking — we won't place funding that puts your business at unsustainable risk, even though we aren't paid to say no; and a dedicated advisor who understands your industry, matched to 3–5 curated funders rather than blasted to 50.

What's the catch — why is there no fee to me?

We're compensated by our funding partners after a deal closes, which aligns our incentive with yours: a clean close on fair terms. Some funder products include origination or underwriting fees deducted from the funded amount; we disclose those alongside the rate and total payback in every offer.

Can I get a business line of credit instead of a lump sum?

Yes. A business line of credit is one of the six products we structure — flexible revolving capital you draw on as needed, repay, and reuse, paying interest only on what you use. Your advisor will tell you whether a line of credit, a term loan, or revenue-based funding fits your cash flow best.

Do you offer equipment financing or leasing?

Yes. We arrange equipment financing and leasing — spread the cost of machinery, vehicles, and gear over its useful life, or unlock cash from equipment you already own with a sale-leaseback.

Can you help with invoice factoring or receivables financing?

Yes. We arrange invoice factoring (recourse and non-recourse), accounts-receivable lines, and purchase-order (PO) financing — turning unpaid invoices into working capital so you're not waiting 30–90 days to get paid.

Can I get a term business loan or SBA loan through Commera?

Yes. We place term business loans through our lender partners — including SBA 7(a), 504, and Express as a referral where it fits — fixed-term funding repaid on a predictable schedule.

Business Capital Advisors

Let's structure your funding.

Two minutes to tell us what you need. First offers in 24 hours, with every term disclosed before you sign.

Get my funding optionsTalk to an advisor

No hard credit pull · No fees to applicants

Commera Funding

Business capital advisors who architect the right capital structure for your business — and fund it fast.

5830 E 2nd St, Casper, WY 82609
(307) 667-1250 · contact@commerafunding.com

Commera LLC is a commercial financing broker based in Wyoming — not a direct lender, bank, or financial institution. We arrange business loans, lines of credit, equipment financing, asset-based and receivables financing, and revenue-based funding through our funding partners. SBA and term-loan products are placed by referral to third-party lenders.

Commera charges no fees to merchant applicants; we are compensated by funding partners on a completed transaction. Funder origination, underwriting, or closing fees may apply and are disclosed in your written offer before you sign.

Financing products and availability vary by state and may be subject to state-specific requirements — see State Availability. All financing is subject to approval by our funding partners. Terms and timelines are not guaranteed. Financing is not available in every state or for every product.

© 2026 Commera LLC. All rights reserved.Business Capital Advisors