Free Funding Readiness Audit
Answer a few questions and we'll run your business against our funder panel, the same checks an underwriter runs. You'll get your Readiness Score, the exact gaps hurting your approval odds, and which funders would likely approve you.
🔒 No hard credit pull. Your info is never sold.
What the audit scores
Funders decline without explanation. That is standard practice, and it leaves owners guessing at a reason that is usually mundane and fixable. The audit runs the same seven checks an underwriter runs and reports what it finds, including the parts you would rather not hear.
Revenue and deposit consistency
Monthly volume matters less than whether it shows up predictably. Ten steady deposits beat two large ones, because funders size an advance against what they can count on collecting.
Time in business
The single biggest driver of your advance multiple. Under 6 months narrows the panel sharply; past 24 months opens the full 1.0x to 1.5x range on revenue-based products and puts term loans on the table.
Existing positions and payment burden
How many advances or loans you are already paying, and what share of revenue they consume. This is the most common silent decline reason, and the one owners most often underestimate.
Bank health
Negative days and bounced payments in the last 90 days. A single NSF is survivable. A pattern re-prices the whole file, or ends it.
Average daily balance
The cushion an underwriter looks at to judge whether a daily debit is sustainable. A thin balance against a healthy revenue number is a warning sign to a funder, not a neutral fact.
Credit range and industry
Self-reported, soft, and never a hard pull. Credit weighs lightly on revenue-based products and heavily on term loans and lines of credit. Industry determines which funders on the panel will even look.
What to do with your score
A strong score means you should be shopping several offers rather than accepting the first one, and it usually means products beyond revenue-based funding are open to you. Compare a term loan or a line of credit before defaulting to the fastest money on the table.
A weak score is more useful than it feels. It names the gap, and most gaps close in 30 to 90 days: clear a position, hold a higher daily balance, get through a quarter without an NSF. If capital cannot wait that long, receivables financing and equipment financing underwrite against an asset rather than your file, and often clear where an unsecured advance will not.
Want a number instead of a diagnosis? The funding calculator sizes an advance in two inputs, and Do I Qualify tells you which products are realistically open to you.
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.
Funding Readiness Audit FAQ
What is a Funding Readiness Score?
It is a composite score of how a funder's underwriter would read your file today, built from the same factors our funding partners weigh: revenue and deposit consistency, time in business, existing positions and payment burden, bank health, average daily balance, credit range, and industry. It tells you both where you stand and which specific gap is costing you the most.
Does the audit affect my credit score?
No. The audit never performs a hard credit pull. Your credit range is self-reported as a ballpark, and nothing you enter is submitted to a credit bureau. If you later move forward with a real application, a funder may run a soft pull during underwriting, which also does not affect your score.
How long does the audit take?
About 90 seconds. Ten questions, one per screen, and you can go back and change any answer before submitting. You will need to verify your email at the end so the report goes to a real inbox.
What do I actually get at the end?
An underwriter-style report: your Readiness Score, a plain breakdown of each factor and how it scored, the specific gaps hurting your approval odds, what to fix and in what order, and which categories of funder on our panel would likely approve a file like yours.
Is the audit a loan application?
No. It is a diagnostic, not an application, and it produces no offer and no commitment. Nothing is submitted to a funder unless you decide to apply afterward. Commera is a broker, not a lender, and all financing is subject to approval by our funding partners.
I was declined recently. Is the audit still useful?
That is exactly the case it was built for. Declines are usually delivered without a reason, and the real cause is often a fixable one: too many open positions, a payment burden over the sustainable threshold, or two NSF events in the wrong month. The audit names the reason so you know whether to fix and reapply, or pursue a different product entirely.
How is this different from the Do I Qualify check?
Do I Qualify answers 'which products can I get, and roughly how much' in about 60 seconds. The audit goes deeper on file quality: it diagnoses why your approval odds are what they are and what to change. If you have been declined before or carry existing positions, run the audit.
Skip the audit and just apply?
Two minutes, no hard credit pull. Pre-qualified offers in 24 hours.