Home · Funding options · Break Bread Term Loan
One loan. One payment. Ten years of breathing room.
Long-term growth capital for businesses ready to move: up to $350,000 repaid monthly over up to 10 years. Use it to expand, hire, buy equipment, or smooth working capital — or refinance expensive merchant cash advances and short-term debt into one manageable payment. Like an SBA loan, without all the red tape.
Maximum funding per loan, subject to eligibility and approval.
At a glance
Built for businesses ready for their next move.
The Break Bread Term Loan is patient, long-term capital: up to $350,000 you repay monthly over up to 10 years. Put it to work expanding, hiring, buying equipment, or smoothing working capital — whatever your next chapter demands.
It can also refinance merchant cash advances and other short-term debt — something traditional SBA loans generally cannot do. This is a refinance, not debt settlement: eligible balances get paid off in full, and you move forward with a single payment your cash flow can actually support.
Start Your ApplicationHow it works
From application to one monthly payment.
Four steps. One conversation with our team can tell you whether this is the right move.
Apply in about 10 minutes
Tell us about your business, your revenue, what the funds are for, and any debt you would like to refinance. There is no cost and no obligation to apply.
We review the full picture
Our strategists look at your cash flow, your goals, and what the monthly structure could look like.
Funds are deployed
The term loan funds — growth capital goes into your business, and any eligible balances are paid off directly and in full.
One monthly payment
You repay a single term loan over up to 10 years, with terms laid out clearly before you commit to anything.
Who it’s for
Made for momentum — and for the MCA squeeze.
If your business is ready to grow — or short-term debt is eating your cash flow faster than you can replace it — this loan was designed for you.
- You have a clear use of funds: expansion, equipment, hiring, working capital — or refinancing expensive short-term debt.
- Revenue is steady or growing, and you want capital that moves at the speed of the opportunity.
- You want one manageable monthly payment stretched over up to 10 years, not short-term pressure.
- If MCA debt is the issue, you want a real payoff plan — not negotiation, settlement, or default.
Nobody negotiates your balances down and nobody asks you to stop paying your creditors. Growth capital goes to work in your business, and any refinanced balances are paid off in full.
Where it fits
Where it fits.
The contractor winning bigger jobs
New contracts were coming in faster than cash flow could support. A 10-year term loan funded the hires and equipment to take them on — one monthly payment, room to grow.
The restaurant with three stacked advances
Daily draws were taking a third of card sales before the doors even opened. Refinancing into a 10-year term loan replaced three debits with one monthly payment the owner could plan around.
The manufacturer buying equipment
The machines would pay for themselves in two years, but no lender would stretch terms past twelve months. Ten-year capital matched the investment to its real payback period.
Put patient capital to work.
Tell us where you stand and where you are headed — growth, equipment, working capital, or getting out from short-term debt. We will show you what a single monthly payment could look like. No cost to apply, no obligation.
Straight answers
Questions, answered.
What can I use the funds for?
Almost anything that moves the business forward: expansion, equipment, hiring, working capital — plus refinancing merchant cash advances and short-term debt, which traditional SBA loans generally cannot do.
Is this debt settlement or debt relief?
No. This is a term loan. New capital funds your goals, and any refinanced balances are paid off in full. Your creditors get paid, and you get one predictable payment.
How is this different from an SBA loan?
The idea is similar: long term, one payment, breathing room. The difference is speed and simplicity. There is no government paperwork and no months-long process, but it is not government-backed, and your terms depend on the offer you qualify for.
Will it pay off all of my advances?
The goal is to refinance your eligible MCA debt into the new loan. During underwriting we review each position and tell you straight what fits and what does not.
How fast can I get funded?
Timelines depend on your documentation and underwriting, but the process is built to move far faster than a traditional SBA loan.
What will my monthly payment be?
That depends on the amount, term, and rate you qualify for. We lay out the full picture, payment included, before you commit to anything.
Your next chapter
Let’s put your capital plan on the table.
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.