State Availability & Commercial Financing Disclosures

Key Disclosures

• Broker status. Commera Finance is a business financing advisor and broker, not a direct lender. We connect businesses with third-party funding providers and may receive compensation from them.
• No guarantee. Submitting an application does not guarantee approval or funding. Nothing on this site constitutes an offer or commitment to provide financing. All terms are subject to underwriting and the applicable funder's approval.
• Not advice. Content on this site is for informational purposes only and is not financial, legal, or tax advice.
• Availability. Financing products and availability vary by state and may be subject to state-specific requirements.

Where Commera Operates

Commera LLC ("Commera") is a commercial financing broker based in Miami, Florida. We connect businesses across the United States with third-party funding providers. Financing products and availability vary by state and may be subject to state-specific licensing, registration, and disclosure requirements. Where a state imposes additional requirements, we work with counsel and our funding partners to address them before you sign any agreement.

State-Specific Requirements

Financing products and availability vary by state. Several states impose registration or disclosure obligations on commercial financing providers and brokers. Where these laws apply to your transaction, we work to meet the applicable statute's requirements, which include:

• Connecticut, Commercial Financing Provider or Broker Registration Act (Conn. Gen. Stat. §36a-861 et seq.), administered by the Connecticut Department of Banking.
• Missouri, commercial financing broker registration with the Missouri Division of Finance (RSMo §427.300 et seq.).
• Texas, broker registration with the Office of the Consumer Credit Commissioner under HB 700, with a registration window running through December 31, 2026; certain financing structures may be subject to Texas's applicable rate and collection requirements.
• Virginia, provider and broker registration with the Virginia State Corporation Commission under Va. Code §6.2, Chapter 22.1 (HB 1027); an exemption applies below certain transaction thresholds.

For questions about availability or disclosures in a particular state, email contact@commerafunding.com.

How Our Disclosure Process Works

When you apply through Commera and a funding partner makes you an offer, you will receive clear written disclosures before you sign any financing agreement, including:

• Total Amount of Financing, the amount you will receive
• Finance Charge, the dollar cost of the financing
• Total Repayment Amount, what you will pay in total
• Factor Rate, the multiplier applied to your advance
• Payment Amount and Frequency, daily, weekly, or other schedule
• Estimated Repayment Term
• Prepayment Policy, any discounts or charges for paying early
• Broker Compensation, how Commera is paid

You will never be asked to sign a financing agreement without first receiving and having the opportunity to review these disclosures. Commera's compensation is paid by the funding partner upon successful funding, Commera does not charge fees to applicants.

State-Specific Disclosures for States We Serve

Florida

Florida has a commercial financing disclosure law (Fla. Stat. § 559.9611 et seq.) applicable to sales-based financing transactions of $500,000 or less. Where applicable, you will receive a Florida-compliant disclosure prepared by your funding partner before signing.

Georgia

Georgia's commercial financing disclosure law (O.C.G.A. § 10-1-393.16 et seq.) applies to commercial financing transactions of $500,000 or less. Where applicable, you will receive a Georgia-compliant disclosure before signing.

Kansas

Kansas SB 345 (effective July 1, 2024) requires disclosure of material terms when a financing transaction is offered. The disclosure requirements fall on the financing provider, not the broker. Brokers in Kansas are prohibited from collecting advance fees or making false representations.

New York

New York's Commercial Finance Disclosure Law (CFDL, 23 NYCRR Part 600, effective August 1, 2023) requires the financing provider to disclose Commera's broker compensation to the merchant in clear, written form. Brokers are also subject to recordkeeping and annual reporting obligations to the New York Department of Financial Services, and Commera's New York file process is designed to meet them.

Louisiana

Louisiana HB 470 (effective August 1, 2025) requires disclosure of key terms in revenue-based financing transactions, including merchant cash advances. The law applies to all such transactions regardless of transaction size. Disclosure obligations fall on the financing provider, not the broker. Commera works with its funding partners to ensure compliant disclosures.

Maryland

Maryland has not enacted a commercial financing disclosure law. Bills have been introduced in successive sessions; the most recent, SB 881 (Small Business Truth in Lending Act, 2026 session), passed the Senate in March 2026 and died in the House Economic Matters Committee when the session adjourned in April 2026. No Maryland-specific pre-signing disclosure is therefore required today. Commera applies the disclosure standard of the enacted states to Maryland files regardless: we match only to funders that provide total repayment, payment schedule, and prepayment policy in writing before signing.

Other Service States

Other states where Commera accepts applications may not currently impose state-specific commercial financing disclosure requirements for merchant cash advances and revenue-based financing in the transaction size range that Commera brokers. Regardless, all merchants will receive clear, plain-language disclosures of material terms, including total amount, finance charge, total repayment amount, factor rate, payment structure, and prepayment policy, directly from the funding partner before signing any financing agreement.

Multi-State Disclosure Summary

Commera operates as a commercial financing broker. In states with commercial financing disclosure laws (currently California, New York, Utah, Virginia, Georgia, Florida, Connecticut, Kansas, Missouri, Louisiana, and Texas, with Vermont's law taking effect July 1, 2027), all required disclosures regarding total cost of capital, fees, and repayment terms are provided by the funding partner before any contract is signed. We facilitate these disclosures but do not generate them. If you have not received a required disclosure, contact us at contact@commerafunding.com.

How to File a Complaint

If you believe you have not received required disclosures or have concerns about our practices, you may contact us first at contact@commerafunding.com. If we cannot resolve your concern, you may also file a complaint with your state's financial regulator or consumer protection office. Contact information for relevant agencies is available on each state's official government website.

Questions About State Availability

Email us at contact@commerafunding.com if you have questions about whether we accept applications from your state, or to be notified when we expand into your area.

Commera LLC
2125 Biscayne Blvd
Miami, FL 33137
Email: contact@commerafunding.com
Phone: +1 (307) 667-1250

This page summarizes Commera's current state availability and disclosure practices, which vary by state and may change. Nothing on this page constitutes legal advice or an offer of financing.