Break Bread Lending
(877) 381-8338 See what you qualify for
Break Bread Lending · A seat at the table

Home · Funding options · Private Capital

When the standard boxes don’t fit.

Some businesses need capital that does not look like a standard loan. Private capital is our catch-all for the complex, the unusual, and the time-sensitive: flexible structures, creative terms, and real conversations about what your situation actually needs.

Flexible structuresCreative termsComplex situations welcome
Beyond the standard menuBuilt around you
Custom

Structures built around your situation, not a template.

FlexibleTerms that adapt
CreativeBeyond standard products
Fast-movingFor time-sensitive needs
ConversationalIt starts with a call

At a glance

Capital for the situations lenders call complicated.

Turned down elsewhere. Unusual collateral. A timeline nobody else will meet. A business that is strong but does not photograph well on a standard application. Private capital exists for all of it.

There is no product sheet here because there is no single product. There is a conversation, an honest look at your situation, and a structure designed to fit it.

Start the Conversation

How it works

It starts with a conversation, not a form.

Private capital is bespoke by nature. The process flexes with the deal.

01

Tell us the situation

What do you need, by when, and what makes it unusual? The more honest the picture, the better the structure.

02

We explore structures

Our team looks at private options: terms, collateral, timelines, and what a workable deal looks like for both sides.

03

Terms you understand

Whatever we propose is laid out plainly: cost, schedule, and obligations. No fine-print surprises.

04

Funding

When the structure is right, we move. Timelines vary with complexity, but urgency is the point of this lane.

Who it’s for

Made for the edge cases.

If you have been told no, told to wait, or told your situation is too complicated, start here.

  • You were turned down for standard products but the business has real strength.
  • Your situation is unusual: unique assets, irregular revenue, or a complex ownership picture.
  • Time matters more than a perfect rate, and you need a partner who moves.
  • You want a straight answer, even if the answer is that a different product fits better.
Honesty is the whole product.

Private capital is flexible, which means pricing and terms vary more than standard products. We quote everything plainly and we will tell you when one of our standard options would serve you better and cheaper.

Start the Conversation

Where it fits

Situations private capital fits.

Between rounds and out of runway

A company waiting on its next capital event needed bridge funding nobody else would touch. Private capital covered the gap.

Asset-rich, cash-light

A business with valuable equipment and receivables but thin bank statements got a structure built on what it owned, not what a score said.

The opportunity with a deadline

A time-sensitive acquisition needed committed capital in days, not months. Standard products could not move fast enough.

Complicated is our comfort zone.

Describe your situation and get an honest read on whether private capital fits. Start the conversation today.

Straight answers

Questions, answered.

What exactly counts as private capital?

It is our flexible lane for funding that does not fit standard products: custom structures, creative collateral, and timelines that banks will not meet.

How fast can it move?

It varies with the complexity of the deal, but speed is one of the main reasons businesses choose this lane. We will give you an honest timeline once we understand the situation.

What does it cost?

Pricing varies more here than with standard products, because every structure is different. We quote cost, schedule, and terms plainly before you commit to anything.

Is this a last resort?

No. For complex situations it is often the right first choice. And if a standard product would serve you better and cheaper, we will say so.

What do you need from me to start?

Just the honest picture: what you need, when you need it, and what makes your situation unusual. The conversation starts there.

Your next chapter

Let’s put your capital plan on the table.

Share what your business needs. We will bring the strategy.

Start the Conversation Book a Call Compare all funding options