Question 1

What kinds of funding can Commera arrange?

Accepted Answer

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

Question 2

Is Commera a direct lender?

Accepted Answer

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 competitive terms. We earn a commission from the funder, there are no fees charged to you.

Question 3

How fast can I get funded?

Accepted Answer

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.

Question 4

What credit score do I need?

Accepted Answer

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.

Question 5

Does applying affect my credit score?

Accepted Answer

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.

Question 6

How does repayment work?

Accepted Answer

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.

Question 7

What documentation do I need?

Accepted Answer

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.

Question 8

Can I get a business line of credit instead of a lump sum?

Accepted Answer

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.

Business capital, sized around your profile.

Let's get you funded

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CommeraOS.
Smarter funding, systemized.

Capital should be accessible for the people taking a risk to build a business.

Eight ways to support the next business move.

Built for the way your business runs.

Clear boundaries before you begin.

What operators say after funding.

Know the range. Then decide what comes next.