Monera Capital

Monera Capital Group is a working capital financing company based in Fort Lauderdale, Florida. Since 2019, we have deployed over $43 million to small and mid-sized businesses across the United States, helping owners access funding when traditional banks cannot move fast enough. We provide revenue-based financing and flexible funding structured around a business's actual revenue rather than rigid credit requirements. This approach lets us approve and fund deals in days instead of weeks, and it allows us to serve hardworking industries that banks often overlook, including home services, auto repair, HVAC, plumbing, electrical, roofing, healthcare practices, restaurants, and many more. We understand that small business owners do not have time to wait on slow approvals or navigate mountains of paperwork. Our process is built to be straightforward and responsive, with funding decisions that reflect the real health of a business rather than a single credit score. When an owner needs capital to cover payroll, buy equipment, take on a larger job, or seize a growth opportunity, we are positioned to move quickly. What sets us apart is the technology behind the funding. We build our own underwriting systems, data pipelines, and automation tooling in-house. That means faster decisions, sharper risk assessment, and a smoother experience for the businesses we serve. We are a small, technically driven team that treats software as a core part of how we operate, not an afterthought, and that discipline shows up in everything from our speed to our consistency. Over the years we have built lasting relationships with business owners who return to us as they grow, because they know we treat their success as our own. Our mission is simple: give hardworking business owners reliable access to capital so they can grow on their own terms.