When your business needs a way forward, we bring elite strategists and underwriters to the table — then stitch the right funding options into one comprehensive plan.
The Break Bread approach
Great funding starts with an honest conversation. Tell us what is working, what is not, and what the business needs next. We look beyond a single product to build a clear capital strategy around the full picture.
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 is not enough.
Capital available up to
01 / Break Bread Term Loan
Long-term capital designed to give your business room to grow — or room to breathe. Get up to $350,000, a term as long as 10 years, and one manageable monthly payment.
Traditional SBA loans cannot 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
No two businesses reach the table in the same position. We look across your revenue, time in business, credit, receivables, existing debt and assets to identify the strongest path — or combine several.
Government-backed, long-term financing without the usual bank-speed crawl. 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.
Use equity in commercial or residential property as collateral to unlock amazing rates and meaningful access to capital for your business.
When your situation does not fit a conventional product, we can look at a myriad of different options for you and work to get you funded.
The Break Bread difference
You deserve more than someone selling you a loan. You deserve elite strategists and underwriters who understand how each piece affects the next.
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 is 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
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
Rated 5.0 out of 5 on Google. Here is 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 are very transparent.”
“Awesome company to work with. Very courteous and professional!”
Your next chapter
Share what your business needs. We will 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.