Breakout Capital
Breakout Capital provides alternative financing solutions for small businesses, including their unique FactorAdvantage product, business term loans, and invoice factoring with 24-48 hour approvals.
About Breakout Capital
Founded in 2015, Breakout Capital has established itself as an innovative alternative lender focused on providing transparent and responsible financing solutions to small businesses. Unlike many traditional lenders who follow rigid lending criteria, Breakout Capital takes a more holistic approach to evaluating businesses, considering their overall health, cash flow patterns, and growth potential rather than solely focusing on credit scores or time in business. This allows them to serve a broader spectrum of small businesses, including those that might be overlooked by conventional financial institutions due to limited operating history or imperfect credit. Their commitment to transparency and ethical lending practices is reflected in their straightforward terms, absence of hidden fees, and educational resources designed to help business owners make informed financing decisions.
What distinguishes Breakout Capital in the alternative lending landscape is their diverse range of specialized financing products designed to address specific business needs. Their flagship offering, FactorAdvantage, represents a unique hybrid solution that combines the benefits of invoice factoring with term loans, providing businesses with immediate cash flow from their accounts receivable while also accessing additional working capital. This innovative approach allows businesses to maximize their financing potential by leveraging both their outstanding invoices and general business performance. Beyond FactorAdvantage, they offer traditional business term loans with transparent terms and straightforward repayment structures, as well as invoice factoring services for businesses with reliable customers but immediate cash flow needs.
Breakout Capital serves businesses across various industries, including manufacturing, distribution, professional services, healthcare, and construction. Their flexible requirements make them accessible to businesses that might face challenges securing funding through traditional channels, with minimum credit scores starting at 600 and funding available for businesses with as little as one year of operating history. They offer funding amounts ranging from $10,000 to $500,000, accommodating both modest working capital needs and more substantial growth initiatives. For business owners seeking alternatives to traditional bank loans with greater flexibility, faster approval processes, and a partner that understands the unique challenges of small business operations, Breakout Capital offers a transparent and responsible approach to alternative financing that aims to support rather than hinder long-term business success.
Customer Reviews
"As the owner of a growing manufacturing business, I found myself in a challenging situation when a major customer delayed payment on a large order while we simultaneously needed to purchase materials for an upcoming project. Traditional banks weren't able to help with our immediate cash flow needs, and many alternative lenders I contacted offered terms that seemed designed to trap us in debt. Then I discovered Breakout Capital and their FactorAdvantage product. Their approach was refreshingly different—they took the time to understand our business model and the specific challenge we were facing. They offered a solution that allowed us to factor the outstanding invoice while also providing additional working capital for the new materials. The application process was straightforward, requiring basic business documentation and recent financials. We received approval within 36 hours and funding shortly after. Their funding advisor was transparent about all costs involved and helped us understand exactly how the repayment structure worked. The combined solution enabled us to maintain good relationships with our suppliers while waiting for our customer payment. Six months later, when we faced a similar situation with a different opportunity, they were quick to help us again. Their responsible approach to lending and genuine interest in our business success has made them a valuable financial partner."
Key Features
| Credit Score Required | 600+ |
| Maximum Funding | $500,000 |
| Approval Time | 24-48 hours |
| Time in Business | 1+ year |
| Application Process | Online & Phone |
What They Offer
- FactorAdvantage
- Business Term Loans
- Invoice Factoring
- Transparent Fee Structure
- Educational Resources
- Dedicated Funding Advisors
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