Fast Merchant Cash Advance,Transparent Terms
$10K–$2M in Business Capital
Revenue-based funding with quick decisions. We match your business to the right funder — without sending your application to dozens of lenders. Funds typically available in 24–48 hours for qualified businesses.
- Funds wired in 24–48 hours after documentation
- Revenue matters more than credit score — 500+ FICO accepted
- Factor rate, daily payment, and total cost disclosed before you sign
Step 1 of 3
How much capital do you need?
No hard credit pull — soft inquiry only
🔒 256-bit encrypted · No hard credit pull · We never sell your information
Process
How It Works – Simple & Transparent
No surprises. Just straightforward revenue-based funding.
Application
Takes 2–5 minutes online. Share basic business info and recent revenue details.
Review & Matching
We quickly review your profile and match you with the most suitable funding partner(s). Initial offers are usually shared the same day or within 24 hours on business days.
Decision & Acceptance
Review your personalized terms and accept the offer that best fits your business.
Funding
Once approved and documents are completed, funds are typically deposited into your business account in 24–48 hours.
Timelines are estimates only and not guaranteed. Actual decision and funding times depend on your business profile, completeness of information, and the underwriting process of our funding partners.
Why Merchants Choose Commera
Our Process, Your Timeline
Application
5 minutes online
Decision
2–4 business hours
Funding
24–48 hours to your account
Do You Qualify?
Simple Requirements
No collateral. No hard credit pull. Just revenue and time in business.
4+ Months in Business
Startups welcome (as early as 3 months with strong revenue)
$10,000+ Monthly Revenue
Revenue-based approval, not credit-based
US-Based Business
Sole prop, LLC, or corporation
Any Industry
Restaurants, retail, trucking, construction, medical, and 40+ more
Calculator
See Your Estimated Funding Options
Enter your approximate monthly revenue and time in business to see estimated offer ranges and payment amounts.
These are estimates only and are not an offer of financing. Actual advance amounts, factor rates, and payment amounts depend on funder underwriting, your business's bank statement history, and other factors. Factor rates shown do not represent APR. Commera is a broker and does not set rates.
Industries We Serve
We know your industry's cash flow problem
Each industry has different gaps. Click yours to see exactly how Commera helps.
We cannot serve: cannabis, adult entertainment, gambling, firearms dealers, or nonprofits. Don't see your industry? Apply anyway — we may have options.
Restaurants
Seasonal gaps, equipment & payroll
Retail
Inventory timing & peak seasons
E-Commerce
Inventory, ad spend & 3PL
Healthcare
Insurance lags, equipment & expansion
Dental Practices
Chairs, imaging & insurance float
Medspa & Aesthetics
Injectables, lasers & marketing
HVAC / Plumbing / Electrical
Seasonal work, vehicles & large contracts
Auto Repair & Body Shops
Parts, lifts & insurance float
Trucking & Owner-Operator
Fuel, repairs & broker-pay gaps
Restoration & Roofing
Materials before insurance pays
Janitorial & Facility
Payroll bridge & contract onboarding
Professional Services
Invoice gaps & staffing payroll
Manufacturing
Raw materials, POs & equipment
Not sure which applies to you?
FAQ
Real Answers
to Real Questions
We answer the questions merchants ask us every day. If we missed yours, reach out directly.
Get Your Quote →