The honest answers.

Six products through our funding partners: business loans (including SBA 7(a)/504/Express referrals), business lines of credit, equipment financing and leasing, asset-based lending, receivables financing (invoice factoring, AR lines, and purchase-order financing), and revenue-based financing. Your advisor architects the right structure for your cash flow and goal rather than pushing a single product.

No. Commera is a business capital advisor and commercial financing broker. We connect your business with our network of vetted funding partners to find you the best available terms. We earn a commission from the funder — there are no fees charged to you.

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

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 monthly revenue and time in business are often the most important factors, and your advisor will tell you which products you realistically qualify for.

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

It depends on the product. Term loans repay on a fixed, predictable schedule; lines of credit charge interest only on what you draw and reuse; and revenue-based financing is repaid automatically as a small percentage of your daily or weekly revenue via ACH — so on slower days you pay less. Your advisor walks through the exact repayment structure before you sign.

The basic requirements are: a few months of business bank statements, a valid government-issued photo ID, and a signed application. Some funders or larger amounts may require additional documentation such as tax returns or financial statements.

Yes. A line of credit gives you flexible revolving capital you draw on as needed, repay, and reuse — paying interest only on what you use. It's a good fit for uneven cash flow and recurring short-term needs.

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.

Yes to both. We arrange invoice factoring (recourse and non-recourse), AR lines, and purchase-order financing to turn unpaid invoices into working capital — and we place term business loans through our lender partners, including SBA options as a referral where they fit.

Three ways: (1) No stacking — we refuse to place funding that puts your business at unsustainable risk, even though we don't get paid for saying no. (2) Dedicated advisor — you work with a real person who understands your industry, not an application form. (3) Matched, not blasted — we submit to 3–5 curated funders based on your profile, not 50. This means fewer competing offers to confuse you, faster decisions, and cleaner terms.

Most funders don't work with individual businesses — they work through brokers, so searching Google for a funder usually just redirects you to brokers anyway. The advantage of working with Commera is that we know our partners' underwriting, terms, and speeds. We match your profile to the right fit instead of submitting blind to anyone who'll take it. We're also accountable to you — your success reflects on us.

We don't charge businesses because we're compensated by our funding partners after a deal closes. That makes our incentive aligned with yours — a clean close with fair terms. A note on funder fees: many financing products include origination, underwriting, or processing fees charged by the funder. These come out of the funded amount, not as a separate bill to you, but they affect your net proceeds. We disclose these alongside the rate and total payback in every offer we present — no surprises at funding.

Different funders structure fees differently. Common ones include: - Origination fees — typically a percentage of the funded amount, deducted from your proceeds - Underwriting fees — flat fees ($195–$500 typical) for processing - ACH or wire fees — small one-time fees for funds transfer - Documentation or closing fees — varies by product

No. A merchant cash advance — one of the revenue-based financing options we arrange — is the purchase of a portion of your future business receivables. It is not a loan and is not subject to the same regulations as traditional lending products. Repayment is made through a small percentage of your daily or weekly revenue, so it's the fastest route to capital when speed matters most.