-- Years before Filip Kozina founded Commera, he was a bakery manager trying to fund an expansion. The merchant cash advance industry he turned to nearly cost the business its footing. Commera, the brokerage he now leads, was built around the practices those funders refused to offer.
Kozina arranged his first merchant cash advance to finance new equipment for the bakery he managed. Within months, brokers had submitted the application to dozens of funders simultaneously, a practice known in the industry as "blasting." The offers came back conflicting and increasingly aggressive. When cash flow tightened, the bakery was placed into a second concurrent advance, stacked in industry terminology, that compounded daily payments the deposits could no longer support.
The brokers who arranged those deals earned commissions on each one. The bakery absorbed a debt position that took years to unwind. Kozina eventually moved on from the role and began studying the funding industry from the other side, joined by co-founders who had also operated and managed small businesses before working in commercial finance.
Commera, launched out of Miami, Florida, structures every part of its process around the practices that nearly broke the bakery Kozina managed. Applications are submitted to three to five vetted funding partners, not blasted to fifty. The firm declines to place clients into a second concurrent advance when the math does not support it, even when doing so forfeits the commission. Factor rates, daily payment amounts, and total cost are disclosed in writing before any client signs.
The brokerage matches U.S. small businesses with revenue-based working capital between $15,000 and $2 million across 46 states. Funder approvals typically arrive within two to four business hours, with funds wired in 24 to 48 hours after documentation is complete. Commera serves restaurants, retail, e-commerce, healthcare, dental practices, HVAC contractors, trucking operators, manufacturers, and other revenue-generating small businesses. The firm is paid by funding partners on close and charges no fees to applicants.
"Stacking is the leading cause of merchant cash advance default, and I know it firsthand because it almost ended the bakery I ran," Kozina said. "Brokers who blast your application to fifty funders and then place you in a second position are not partners. They are getting paid twice while you go under. We built Commera to refuse both of those practices, even when refusing means we earn nothing on the deal."
Traditional small business credit has tightened substantially through the recent rate cycle, leaving more owners to bridge working capital needs through revenue-based financing. The category has expanded faster than its transparency standards, and a growing share of broker firms led by former operators and managers are positioning against the opaque practices that defined the industry's earlier years.
Commera currently serves small business owners across the U.S. who need fast working capital without the surprises that shaped its founder's own experience. More information is available at commerafunding.com.
About Commera
Commera LLC is a commercial financing broker founded by Filip Kozina, a former bakery manager whose experience with predatory merchant cash advance practices shaped the firm's operating standards. Headquartered in Miami, Florida, Commera matches U.S. small businesses with revenue-based working capital from $15,000 to $2 million across 46 states. The firm is a broker, not a direct lender. All financing is subject to funding partner approval and is not guaranteed. Factor rates are not equivalent to APR. More information is available at commerafunding.com.
Contact Info:
Name: Filip Kozina
Email: Send Email
Organization: Commera LLC
Phone: +1 (888) 451-5255
Website: https://commerafunding.com/
Release ID: 89193791
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