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Terms of Service

Effective Date: April 14, 2026
Last Updated: May 8, 2026

1. Agreement to Terms

These Terms of Service ("Terms") form a binding agreement between you ("you" or "User") and Commera LLC ("Commera," "we," "us," or "our"), governing your use of commerafunding.com (the "Site") and our services (collectively, the "Services").

By accessing or using the Services, you agree to these Terms. If you do not agree, do not use the Services. These Terms include a binding arbitration agreement and class-action waiver (Section 16). Please read them carefully.

2. What Commera Is (and Is Not)

Commera is a commercial financing broker. We match business owners with funding partners ("Funding Partners") that offer commercial financing products, including merchant cash advances, revenue-based financing, term loans, and lines of credit.

Commera is not:

We do not make credit decisions. We do not fund transactions. We do not charge applicants or merchants for our services — our compensation is paid by the Funding Partner upon completion of a transaction.

3. Eligibility

To use the Services, you represent and warrant that:

You may not use the Services if you are located in a jurisdiction where our Services are prohibited.

4. Application Process

4.1 Submitting an Application

When you submit an application, you authorize Commera to:

4.2 Fair Credit Reporting Act (FCRA) Disclosure

Commera and our Funding Partners may obtain consumer and business credit reports about you and your business from credit reporting agencies in connection with your application. By submitting an application, you authorize Commera and our Funding Partners to obtain such reports for the permissible purpose of evaluating commercial financing for which you have applied (15 U.S.C. § 1681b(a)(3)(A) and (F)).

Initial application screening uses a soft inquiry, which does not affect your credit score. A specific Funding Partner may, with your written consent, run a hard inquiry at the time it prepares an offer. You will be notified before any hard inquiry is made.

Under the FCRA, you have the right to obtain a free copy of any consumer report used in connection with an adverse action, the right to dispute inaccurate information, and additional rights described at consumerfinance.gov/learnmore. If a Funding Partner takes adverse action based in whole or in part on a consumer report, that Funding Partner is required to provide you with the name and contact information of the credit reporting agency.

4.3 No Guarantee of Approval or Terms

Submission of an application does not guarantee that you will receive financing offers or that any offer will be on terms you find acceptable. Funding Partners make independent underwriting decisions. Commera does not control, approve, or guarantee the terms offered by any Funding Partner.

4.4 Accuracy of Information

You agree to provide true, accurate, current, and complete information. Providing false or misleading information may result in denial of your application, termination of your account, and referral to law enforcement or Funding Partners where appropriate.

5. Communications and Electronic Consent

5.1 Phone and Text Message Consent

By providing your phone number and checking the consent box on our application form, you consent to receive autodialed calls, prerecorded messages, and text messages from Commera and our Funding Partners regarding your application, funding offers, renewals, and related matters. Your consent is not required as a condition of applying for or receiving financing. Standard message and data rates apply. Message frequency varies. See our Privacy Policy for details.

To opt out of text messages, reply STOP. For help, reply HELP. To opt out of calls, tell any caller you wish to be added to our internal Do-Not-Call list or email contact@commerafunding.com.

5.2 Electronic Signature Consent (ESIGN Act)

By using the Services, you consent to conduct transactions electronically and to receive records and disclosures electronically under the federal Electronic Signatures in Global and National Commerce Act ("ESIGN Act") and similar state laws. You have the right to withdraw this consent, but doing so may prevent you from completing an application or transaction.

Hardware/software requirements: A computer or mobile device with internet access, a current browser (Chrome, Safari, Firefox, or Edge), and the ability to view PDF files.

5.3 Paper Copies

You may request a paper copy of any electronic record by emailing contact@commerafunding.com. Paper copies may be subject to a reasonable charge.

6. State Commercial Financing Disclosures

Commera complies with applicable state commercial financing disclosure laws. We currently operate in 44 states: Alabama, Alaska, Arizona, Arkansas, Colorado, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Vermont, Washington, West Virginia, Wisconsin, and Wyoming.

When you receive disclosures: If your business is located in a state with active commercial financing disclosure requirements (currently New York, Utah, Virginia, Connecticut, Georgia, Kansas, and Missouri, with additional states phasing in), the prospective Funding Partner — assisted by Commera — will provide all state-required disclosures before any offer is presented to you for signature, in the format prescribed by the relevant state law. You are not obligated to accept any offer.

What the disclosures cover: the financing amount, total repayment amount, finance charge, factor rate or interest rate, estimated annual percentage rate (APR) where required, payment schedule and frequency, term length, and any prepayment terms or fees.

Who provides them: The Funding Partner is the legal "provider" under most state commercial financing laws and is the party responsible for issuing the disclosure. Commera presents the disclosure to you on the Funding Partner's behalf and ensures you have an opportunity to review it before signing. If you have not received a complete state disclosure before being asked to sign, do not sign — contact us at contact@commerafunding.com immediately. Where applicable, Commera is registered as a commercial financing broker with the relevant state authority.

7. Broker Compensation

Commera's compensation is paid by the Funding Partner upon successful funding of a transaction. Commera does not charge any application, processing, or brokerage fee to the applicant or merchant. Commera's compensation is built into the factor rate or fee structure disclosed by the Funding Partner. You will receive these disclosures before accepting any offer.

8. Third-Party Funding Partners

The financing products presented through the Services are offered and funded by independent third-party Funding Partners. Commera is not a party to the financing agreement between you and the Funding Partner. The terms, rates, fees, repayment conditions, collection practices, and all other aspects of the financing agreement are solely between you and the Funding Partner.

Commera does not guarantee:

You should carefully review any financing agreement before signing. You are encouraged to consult with your attorney, accountant, or financial advisor.

8.1 Broker Role & Lead-Routing Disclosure

Commera is a broker, not a lender or funding source. Our service consists of receiving your application, evaluating which Funding Partners in our network are most likely to fund your business profile, and sharing your information with those Funding Partners so they can make offers. This means your application data will be sent to one or more independent third-party Funding Partners.

What we do not do: we do not sell your application or contact information to any party for that party's independent marketing purposes. We do not auction your lead to the highest bidder. We do not share your information with marketing networks, ad platforms, or list brokers.

If at any time we change this practice, we will update these Terms and our Privacy Policy and obtain your renewed consent before any new category of recipient receives your information.

9. Your Obligations

You agree to:

10. Prohibited Industries

Commera and our Funding Partners do not provide financing to businesses operating in the following industries, except where permitted by law and the specific Funding Partner: cannabis or cannabis-adjacent businesses (CBD distinct), adult entertainment, gambling or gaming operations, firearms dealers, and nonprofit organizations. Other restrictions may apply based on individual Funding Partner requirements.

11. Intellectual Property

All content on the Site, including text, graphics, logos, images, software, and trademarks, is the property of Commera or its licensors and is protected by U.S. and international intellectual property laws.

You may not copy, reproduce, modify, republish, distribute, transmit, or create derivative works from any Site content without our prior written permission, except that you may print or download portions for your personal, non-commercial use in evaluating our Services.

"Commera" and the Commera logo are trademarks of Commera LLC. Other trademarks and logos appearing on the Site are the property of their respective owners.

12. User Content and Feedback

If you submit any content to us (including application information, testimonials, feedback, or suggestions), you grant Commera a worldwide, royalty-free, perpetual, irrevocable, non-exclusive license to use, reproduce, modify, and distribute that content in connection with our Services, subject to our Privacy Policy.

We are not obligated to use any feedback you provide, and we may use it without compensation to you.

13. Disclaimers

13.1 Services Provided "AS IS"

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

13.2 No Guarantee of Approval, Terms, or Outcomes

WE DO NOT GUARANTEE THAT YOU WILL BE APPROVED FOR FINANCING, THAT YOU WILL RECEIVE OFFERS, THAT ANY OFFER WILL BE ON TERMS YOU FIND ACCEPTABLE, OR THAT FUNDING WILL BE PROVIDED WITHIN ANY SPECIFIC TIMEFRAME. ESTIMATES PROVIDED BY OUR CALCULATOR OR IN OUR MARKETING MATERIALS ARE FOR INFORMATIONAL PURPOSES ONLY AND DO NOT CONSTITUTE AN OFFER OF FINANCING.

13.3 No Legal, Tax, or Financial Advice

COMMERA DOES NOT PROVIDE LEGAL, TAX, ACCOUNTING, OR FINANCIAL ADVICE. ANY INFORMATION PROVIDED ON THE SITE OR DURING THE APPLICATION PROCESS IS FOR INFORMATIONAL PURPOSES ONLY. YOU SHOULD CONSULT WITH QUALIFIED PROFESSIONALS BEFORE MAKING FINANCIAL DECISIONS.

14. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, COMMERA AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR:

OUR TOTAL LIABILITY TO YOU FOR ANY CLAIM ARISING FROM OR RELATED TO THE SERVICES SHALL NOT EXCEED THE GREATER OF (A) $100 OR (B) THE AMOUNT OF COMPENSATION COMMERA ACTUALLY RECEIVED FROM FUNDING PARTNERS IN CONNECTION WITH YOUR APPLICATION DURING THE 12 MONTHS BEFORE THE CLAIM AROSE.

Some jurisdictions do not allow the exclusion or limitation of certain damages, so portions of this section may not apply to you.

15. Indemnification

You agree to indemnify, defend, and hold harmless Commera and its officers, directors, employees, agents, and affiliates from any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising from or related to:

16. Dispute Resolution, Arbitration, and Class-Action Waiver

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS.

16.1 Informal Dispute Resolution

Before filing any formal claim, you agree to first contact us at contact@commerafunding.com and attempt to resolve the dispute informally. We will attempt to resolve the dispute within 60 days of receipt.

16.2 Binding Arbitration

If the dispute is not resolved informally, you and Commera agree to resolve all disputes through final and binding arbitration, administered by the American Arbitration Association ("AAA") under its Commercial Arbitration Rules.

The arbitration will be held in Natrona County, Wyoming, or by videoconference at the option of the party filing. The arbitrator's decision will be final and enforceable in any court of competent jurisdiction.

16.3 Class-Action Waiver

YOU AND COMMERA AGREE THAT DISPUTES WILL BE RESOLVED ON AN INDIVIDUAL BASIS ONLY. NEITHER PARTY MAY BRING CLAIMS AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS, COLLECTIVE, OR REPRESENTATIVE ACTION.

16.4 Jury Trial Waiver

TO THE EXTENT PERMITTED BY LAW, YOU AND COMMERA WAIVE THE RIGHT TO A JURY TRIAL FOR ANY DISPUTE NOT SUBJECT TO ARBITRATION.

16.5 Exceptions

Either party may bring an action in small-claims court for disputes within that court's jurisdiction. Either party may seek injunctive relief in court to protect intellectual property or confidential information.

16.6 Opt-Out

You may opt out of this arbitration agreement by emailing contact@commerafunding.com with "Arbitration Opt-Out" in the subject line within 30 days of first agreeing to these Terms. Opting out will not affect any other provision of these Terms.

17. Governing Law

These Terms are governed by the laws of the State of Wyoming, without regard to conflict-of-laws principles. Any action not subject to arbitration must be filed in the state or federal courts located in Natrona County, Wyoming, and you consent to personal jurisdiction in those courts.

18. Termination

We may suspend or terminate your access to the Services at any time, with or without notice, for any reason including violation of these Terms. Upon termination, your right to use the Services will end immediately. Sections that by their nature should survive termination will survive, including Sections 11 (Intellectual Property), 13 (Disclaimers), 14 (Limitation of Liability), 15 (Indemnification), 16 (Dispute Resolution), and 17 (Governing Law).

19. Changes to These Terms

We may update these Terms from time to time. When we do, we will post the updated Terms on this page and update the "Last Updated" date above. If we make material changes, we will notify you by email or through a Site notice. Your continued use of the Services after changes take effect constitutes acceptance of the updated Terms.

20. Miscellaneous

21. Contact Us

Commera LLC
5830 E 2nd St
Casper, WY 82609
Email: contact@commerafunding.com
Phone: +1 (888) 451-5255