Most lenders hand you a product and a payment. We sit down with you, break bread, and build the funding around your business, so the capital comes with a strategy, not just a bill.
2 minutes. No credit pull.
or call (888) 818-3781 · Mon–Fri, 9–7 Eastern
The Break Bread approach
Break Bread Lending is a business funding company that builds a complete capital strategy around your business — not a single loan product. We start with an honest conversation about your revenue, debt, and goals, then match you with the strongest funding path across ten options. That's how to get business funding with the structure your business actually needs.
When you feel stuck, we find the opening. Our strategists pursue the best available rates for your profile and combine options when one solution alone isn't enough.
Capital available up to
01 / Break Bread Term Loan
The Break Bread Term Loan is long-term growth capital of up to $500,000, with terms as long as 10 years and one manageable monthly payment. It works like an SBA loan without the government red tape — and unlike traditional SBA loans, it can refinance MCA debt for eligible businesses. Final amounts, rates, and terms depend on review and underwriting.
Traditional SBA loans can't be used to refinance MCA debt. The Break Bread Term Loan can, for eligible businesses — with far less government red tape.
Capital, built around you
Break Bread Lending offers ten funding paths: the Break Bread Term Loan plus SBA loans, lines of credit, credit card stacking, MCA consolidation, invoice factoring, payroll funding, accounts receivable lines of credit, business HELOCs, and private capital. We review your revenue, time in business, credit, receivables, existing debt, and assets to identify the strongest path — or combine several into one plan. Every option is subject to review and underwriting, and you review every offer before deciding.
Government-backed, long-term financing without the usual bank-speed crawl. SBA Express loans go up to $500,000, and for qualified, document-ready businesses, we can fund in under a month while many banks and lenders take much longer.
Draw what you need, put it to work, repay, and access it again. A flexible revolving resource for inventory, seasonal gaps, opportunities and the unexpected.
Become truly BANKABLE. Our in-house team has helped clients access up to $500,000 at 0% introductory interest for startup costs or working capital — and, when positioned correctly, to pay off MCA debt.
Bring up to four expensive MCAs into one coordinated plan. Lower the payments and move from multiple daily draws to one monthly payment — or one weekly payment.
Put unpaid invoices to work. Factor eligible receivables and establish a substantial invoice funding line you can draw on every month as new invoices qualify.
Fund this week's payroll against invoices your clients won't pay for 30–60 days. Advance up to 90–95% of invoice value, cover your crew on time, and let the receivables settle the balance when they pay.
A revolving line sized by your receivables that grows as you bill — roughly 90% of eligible receivables. Draw what you need, repay as clients pay, and draw again, without selling invoices one by one.
Use equity in commercial or residential property as collateral to unlock amazing rates and meaningful access to capital for your business.
When your situation doesn't fit a conventional product, we can look at a myriad of different options for you and work to get you funded.
Every business reaches the table in a different position. This is how our ten funding options line up — we review your full profile to match you with the strongest path, or combine several into one plan. Ranges and timing are typical and vary by review, underwriting, and approval.
| Product | Best for | Funding range | Speed |
|---|---|---|---|
| Break Bread Term Loan | Long-term growth capital or refinancing MCA debt | Up to $500,000 | Typically weeks, with far less red tape than an SBA |
| SBA Loans | Qualified, document-ready businesses seeking government-backed terms | Up to $5 million (7(a)); Express up to $500,000 | Possible funding in under a month |
| Business Line of Credit | Inventory, seasonal gaps, and unexpected needs | Varies by profile | Draw as needed once approved |
| Credit Card Stacking | Startup costs or working capital at 0% introductory interest | Up to $500,000 | Varies by issuer approvals |
| MCA Consolidation | Businesses with up to four MCAs seeking one lower payment | Varies by debt profile | Varies by review |
| Invoice Factoring | B2B businesses with unpaid invoices | Based on receivables | Advances as new invoices qualify |
| Payroll Funding | Businesses that must make payroll before clients pay | Up to 90–95% of invoice value | Advances as new invoices qualify |
| Accounts Receivable Line of Credit | Growing B2B businesses with steady receivables | Roughly 90% of eligible receivables | Draw as needed once approved |
| Business HELOCs | Businesses with property equity seeking flexible capital | Based on property equity | Varies by review |
| Private Capital | Complex situations that don't fit a standard product | Custom | Varies by situation |
Break Bread Lending helps businesses compare every funding path side by side — then build one capital plan around the strongest fit.
The Break Bread difference
Break Bread Lending works like a funding strategist, not a one-loan shop. We bring elite strategists and underwriters to the table and stitch multiple funding options together to pursue the best available rates for your profile. When one solution alone isn't enough, we combine strategies into one complete capital plan.
The right funding is rarely a single loan. Break Bread Lending combines multiple strategies into one plan built around your business.
We stitch multiple funding strategies together to pursue the best rates you can get on the market for your profile — with the structure and high-level guidance to help pull your business out of a hard place.
Tell us where the business stands, what you need, and what's getting in the way.
We evaluate the full profile and connect the right options into one clear plan.
Review the amounts, costs and repayment terms. Choose what works for the business.
Before you take a seat
Direct answers to the questions business owners ask us most: which funding option fits, how existing MCA debt affects eligibility, and what applying actually commits you to. Every option is subject to review and underwriting — you review every offer before deciding.
Start with the 60-second qualifier. It uses your revenue, time in business, credit range, MCA debt, receivables and property equity to surface preliminary matches. Final eligibility depends on review and underwriting.
Yes. Depending on your profile, we can explore the Break Bread Term Loan, MCA consolidation, properly structured credit card stacking, or a private-capital strategy.
No. The 0% rate is introductory and available only during a promotional period. Fees and standard interest can apply, and approval depends on issuer requirements and creditworthiness.
No. Every option is subject to review, underwriting and approval. Amounts, rates, terms and timing vary. You can review any offer before deciding whether to accept it.
Client stories
Break Bread Lending is rated 5.0 out of 5 on Google. Clients describe fast funding — sometimes the same day — transparent terms, and help their own bank couldn't provide. Here's what business owners say after taking a seat at the table.
“As a small business owner, I gotta say, Richard was a lifesaver! He helped me get a line of credit I really needed. Something my bank of 20 years couldn’t do. I’d definitely recommend him and his team to anyone!”
“Break Bread Lending was able to get me the money I needed when I had unexpected expenses. The process was quick and easy and I had the money in my account the same day! They made the entire process easy and they're very transparent.”
“Awesome company to work with. Very courteous and professional!”
Recently funded
These are real businesses funded through Break Bread Lending — from $500,000 in a line of credit for a tech company to $25,000 in working capital funded in under 8 hours. Amounts, timing, and terms vary by profile and underwriting.
Why Break Bread Lending
Break Bread Lending is a funding team that works for the business owner, not the product menu. Whatever your situation, here's what working with us means in practice.
Your next chapter
Share what your business needs. We'll bring the strategy.
Funding is subject to eligibility, underwriting and approval. Amounts, rates, terms and timing vary. Introductory credit card rates are time-limited and may involve fees. Property-secured financing places collateral at risk. Professional liability insured through biBERK, a Berkshire Hathaway company.
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