Free tools
Know your numbers before you apply.
Three tools built from the same underwriting logic our funding partners use. No account, no fee, no hard credit pull. Use them, read the result, and decide for yourself whether to talk to us.
- 90 seconds
Funding Readiness Audit
Score your file the way an underwriter would.
Answer 10 questions and we run your business against our funder panel: your Readiness Score, the gaps hurting your approval odds, and which funders would likely approve you.
Try it - 60 seconds
Do I Qualify?
See which funding products your business can get.
Seven quick questions on revenue, time in business, and what you need the money for, then a straight answer on the products you realistically qualify for and how much.
Try it - Instant
Funding Calculator
Size an advance before you talk to anyone.
Enter monthly revenue and time in business to see the estimated advance range, factor rate, total repayment, daily payment, and APR-equivalent, all five terms, no email required.
Try it
Every result is an estimate, never an offer. See the five-term disclosure below.
Why we give the math away
Most business owners meet a funding number for the first time on a signature page, with a salesperson on the phone and a deadline attached. That is the worst possible moment to work out what a 1.38 factor rate does to your Thursday cash position.
So we publish the tools. Size the advance, see the total repayment, see the APR-equivalent, and find out where your file is weak before an underwriter tells you. If the numbers do not work for your business, that is a useful answer too, and you did not have to give up an email address to get it.
When the numbers do work, an advisor picks up from there and structures the actual deal across our eight products, from term loans and lines of credit to equipment, receivables, and revenue-based funding. See the full funding solutions shelf or read how the process works.
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.
Questions about the tools
Are these funding tools really free?
Yes. All three tools are free, and none of them require payment, an account, or a commitment to apply. Commera charges no fees to business applicants at any stage; we are compensated by our funding partners on a completed transaction.
Do these tools run a credit check?
No. The Funding Readiness Audit and the Do I Qualify check both use a self-reported credit range, and the Funding Calculator does not ask about credit at all. There is no hard credit pull anywhere in the tools. A funder may run a soft pull later during underwriting, which does not affect your score.
Which tool should I start with?
If you want a number fast, start with the Funding Calculator: two inputs, instant estimate, no email required. If you want to know which products you can actually get, use Do I Qualify. If you have been declined before or you are carrying existing positions, run the Funding Readiness Audit, it shows the specific gaps in your file and what to fix before you apply again.
Are the numbers these tools produce an offer?
No. Every output is an estimate calibrated against the underwriting models our funding partners use, not a commitment to fund. A real offer requires a real application, typically 3 to 4 months of business bank statements, and is subject to approval by the funding partner.
What happens to the information I enter?
The calculator runs entirely in your browser and sends nothing unless you choose to have your estimate emailed to you. The audit and qualification tools submit your answers so an advisor can follow up with real options. We never sell your information, and you can opt out at any time through the Do Not Sell My Info link in the footer.
Do I have to talk to anyone after using a tool?
No. You can use any tool, read the result, and leave. If you want to move forward, every tool ends with a path to a real application or a call with an advisor, but nothing is gated behind a conversation.
Done running numbers?
Two minutes to apply, no hard credit pull. Pre-qualified offers in 24 hours.