Commera. Built by operators, for operators. We've raised capital, made payroll, and made the hard calls, just like you.
The product shelf
Seven 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.
- 01
Business Loans
Fixed-term funding for a clear purpose, repaid on a predictable schedule. We place term loans through our lender partners, and arrange SBA 7(a), 504, and Express through SBA-approved lenders where the timeline fits.
Explore - 02
Business Line of Credit
Borrow, repay, and borrow again, interest only on what you use. Built for uneven cash flow and recurring short-term needs.
Explore - 03
Equipment Financing
Spread the cost of machinery, vehicles, and gear across its useful life, or unlock cash from equipment you already own with a sale-leaseback.
Explore - 04
Asset-Based Financing
Asset-based lending (ABL) lines secured by the assets on your balance sheet: receivables, inventory, equipment, or commercial real estate. Capital that scales with what your business owns.
Explore - 05
Business HELOC
A business-purpose home equity line of credit. Draw on the equity in your home to fund the business, often at rates well below unsecured options. We architect it as one layer of your capital structure (for example, a term loan plus a HELOC) and connect you with the right lender. It is secured by your home, so your home is at risk if you don't repay.
Explore - 06
Receivables Financing
Invoice factoring (recourse and non-recourse), spot factoring, accounts-receivable lines, and purchase-order (PO) financing, bridge the gap between billing and getting paid.
Explore - 07
Revenue-Based Financing
Cash-flow-based funding repaid as a small share of daily or weekly revenue, so slower days cost less. Also known as a merchant cash advance (MCA), it's the fastest route to capital when speed matters most.
Explore
How it works
A consultative process, start to funded.
- 01
Tell us what you need
Two minutes, how much, what for, and your monthly revenue. No hard credit pull.
- 02
We structure your options
Your advisor matches your file to the right product and 3-5 vetted funders, not 50.
- 03
Compare real terms
See factor rate or APR, payment, and total cost, all disclosed before you sign anything.
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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, even when the right answer costs us the deal.
- 03
Fast when it counts
First offers within 24 hours, funding in days. Speed without losing the advisory.
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One relationship, every product
Seven funding products under one advisor who knows your industry, not a form that blasts 50 lenders.
By the numbers
- $5K-$5MFunding range
- 50States served
- <24hrTo your first offer
- 7Funding 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 FreemanC Squared Strategic Solutions · BostonTestimonial 1 of 2: Michael Freeman, C Squared Strategic Solutions
Industries we fund
Capital that knows your trade.
Do you qualify?
The baseline to work with us
- 6+ months in business
- Roughly $20K+ in monthly business bank deposits
- Owner credit around 500+ for revenue-based products (bank, SBA, and HELOC placements set higher bars)
- A business bank account, with 3 to 4 months of statements at offer stage
Illustrative baselines for our most flexible products; criteria vary by lender and change. If you're close but not quite there, ask, there is often a product that fits.
Industries we can't fund
- Cannabis or cannabis-adjacent (CBD is evaluated separately)
- Adult entertainment
- Gambling and gaming operations
- Firearms dealers
- Nonprofit organizations
Per our funding partners' policies; other funder-specific restrictions may apply. Full list in our Terms of Service.
Questions
The honest answers.
What kinds of funding can Commera arrange?
Seven products through our funding partners: business loans (including SBA options), business lines of credit, equipment financing and leasing, asset-based lending, business-purpose HELOCs, receivables financing (invoice factoring and purchase-order financing), and revenue-based financing (also known as a merchant cash advance, or 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; 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 seven 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, fixed-term funding repaid on a predictable schedule. SBA 7(a), 504, and Express are arranged through SBA-approved lenders where the timeline fits.
Figures on this page are illustrative estimates only and are not an offer of financing. All amounts, rates, factor rates, terms, payment amounts, timelines, and qualification criteria vary by lender, depend on funder underwriting and your business's bank statement history, and are subject to change without notice. Nothing here is guaranteed until a funder issues terms and you sign them. Factor rates do not represent APR. Commera is a broker, not a lender, and does not set rates.
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.
