60-second funding check
See How Much Funding Your Business Qualifies For, In 60 Seconds
Checking your options won't affect your credit. No obligation. Funding in as little as 24 hours.
No hard credit pull · No fees to apply · Takes about 1 minute
The baseline most funders look for
These are floors across our funding panel, not a scorecard. Clearing all four does not guarantee an approval, and missing one does not end the conversation: it changes which product fits.
Time in business
6+ months
Six months of operating history opens most of the revenue-based panel. Under six months, the path usually runs through receivables, equipment, or a business-purpose HELOC rather than an unsecured advance.
Monthly revenue
$20K+
Roughly twenty thousand a month in deposits is the practical floor across the panel, with exceptions by product and provider. Consistency matters as much as the number: predictable weekly volume outperforms the same total arriving in two lumps.
Credit score
500+
Revenue-based and receivables products weigh business performance far more heavily than personal credit, and several partners approve into the 500s. Term loans, lines of credit, and SBA referrals want considerably more.
Business bank account
Required
Funding is underwritten and repaid through a business checking account. Three to four months of statements are the core of any file, so a personal account will not work.
What you can qualify for
"Do I qualify" is really eight separate questions, one per product. A business that cannot get a bank line of credit may clear equipment financing the same week, because the equipment secures the deal. A business too new for a term loan may factor its receivables today. The check above sorts your answers across all eight.
Business Loans: Term capital for growth, expansion, and working capital.
Business Line of Credit: Flexible revolving capital you draw on as needed.
Equipment Financing: Finance or lease the equipment your business runs on.
Asset-Based Financing: Borrow against the assets already on your balance sheet.
Business HELOC: Turn home equity into low-cost business capital.
Receivables Financing: Turn unpaid invoices into working capital today.
Revenue-Based Financing: Fast, flexible funding that flexes with your sales.
Commercial Real Estate Loans: Buy, refinance, or pull equity out of commercial property.
Want the dollar figure rather than the product list? Run the funding calculator. Been declined before, or carrying open positions? The funding readiness audit diagnoses why.
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.
Qualification FAQ
What do I need to qualify for business funding?
Across most of our funding panel the practical baseline is six or more months in business, roughly $20,000 or more in monthly revenue, a personal credit score of 500 or higher, and a business bank account. Those are floors, not guarantees, and different products weigh them differently: revenue-based funding leans on deposits, while term loans and lines of credit lean on credit and financials.
Does checking if I qualify affect my credit?
No. This check involves no hard credit pull. You self-report a credit range, and nothing is submitted to a credit bureau. If you move forward with a full application, a funder may run a soft pull during underwriting, which does not affect your score either.
How long does the check take?
About 60 seconds. Seven questions, one per screen, with a back button on every step. You verify your email at the end so an advisor can send real options.
Can I qualify with bad credit?
Often, yes. Several partners on our panel approve business owners in the 500s because revenue-based and receivables products underwrite against deposit history rather than a FICO score. Credit still affects pricing, and it matters much more on term loans, lines of credit, and SBA referrals.
Can I qualify if I already have an open advance?
It depends on how much of your revenue existing payments consume. Carrying a position does not automatically disqualify you, but it caps what a new funder will responsibly place on top. If you are already paying on one or more advances, run the Funding Readiness Audit instead, it measures that payment burden directly and tells you what is realistically available.
Is this a loan application?
No. It is a qualification check, and it produces no offer and no commitment. Nothing is submitted to a funder unless you choose to apply afterward. Commera is a broker, not a lender, and all financing is subject to approval by our funding partners.
What happens after I finish?
You see which products fit your answers and a realistic range, then you can book a call with an advisor or go straight to the full application. Nothing is gated: you can read the result and leave.
Ready for real offers?
Two minutes to apply, no hard credit pull. Pre-qualified offers in 24 hours.