Hi! How can we help You?

Let's Break Bread!

We believe that there is enough bread (private capital) to go around, and that no family should have to go without. Funding in as little as 24 hours.

Satisfied Clients
About Break Bread Lending

Helping you achieve your financial goals.

We work around the clock to ensure your money gets to you quickly and securely

  • Start-Up Funding
  • Angel Investors
  • Equity Investors
Our services

Your financial partner
for life

ERC Advance

We are able to wire 85% of your total ERC refund to your account in 1- 2 weeks. Seemless underwritting process.


Line of Credit

Our assessment process goes beyond FICO scores, utilizing proprietary data scraping from over 1600 data points. This enables us to approve 30% more applications.


Cash Advance

Our revenue based financing is key for those who do not have a strong credit score. We will base the loan on your monthly revenue.


SBA Finance

SBA loans can be used for expenses such as payroll, debt refinancing, and marketing expenses to name a few. They offer some of the lowest interest rates for small business working capital with no additional fees.


Startup Funding

Need capital to start your business? With a 700+ credit or a cosign, we can help! 0% Interest for 6-12 months. Reports only to the business. Minimal paperwork. One of the only places for startup capital.



Maximize cash flow with our premier factoring solutions. Swift funding, competitive rates, and seamless processes empower your business to thrive. Elevate your finances today.


Leave the funding to us, so you can take care of the rest. We'll make sure you're taken care of.

Success Rate
10+ Years Of Experience
Who We Are

Financial solutions for every stage of life

To "break bread" means to share a meal with someone, breaking off pieces of your loaf of bread to ensure that everyone is fed.

Break Bread Lending believes that the lending process should be a warm wholesome experience. Inclusive and transparent, making sure everything is on the table so you can make the best decision for your business

  • We have close personal relationships with private lenders to get you funds fast when banks can't or won't.
  • We've got the right type of loan for your needs.
Clients talk

Experience financial growth
with us

I highly recommend Break Bread Lending. When we needed money for inventory Ryan and Richard both showed us several options to help us get the funds we needed when we needed it most. Thank you both for the amazing service and quality care we were hoping for!

Guy Hawkins

President of Sales

Break Bread Lending was amazing getting us the invoice factoring we needed to keep business scaling like we wanted. No more waiting for funds to grow.

Eleanor Pena

meet our experts

Grow your wealth with us


Average Amount Funded


Businesses Served

Awards Won


Funds Distributed

Ryan Shamim

CEO and Founder

Richard Torbett

COO and Co-Founder

Talk to us

Helping you achieve your financial goals

    The Process

    Our Funding Process
    Is As Easy As

    Schedule A Call

    Schedule a call with our team to curate a unique plan to fit your business needs.


    Document Collection

    During your call you will be provided a list of supporting documents we will need for processing your file.


    Underwriting / Funding

    After the documents have been collected our underwriting team will go over your file and give us your funding options.