Breakout Capital Finance
Breakout Capital Finance is a technology-enabled US direct lender providing alternative working capital—term loans, invoice factoring, asset-based loans, and purchase order financing—to small and medium-sized businesses underserved by traditional banks.
- Company typePrivate
- Founded2015
- HeadquartersMclean, United States
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Breakout Capital Finance does
Breakout Capital Finance (operating as Breakout Capital; legal entity Breakout Funding Group, LLC, Virginia) is a technology-enabled direct lender focused on alternative working capital for US small and medium-sized businesses that cannot readily access traditional bank credit. The company originates small-ticket loans sized $25,000 to $1 million with 6–24 month terms and APRs of 15–35%, priced per deal based on creditworthiness and business profile. Its product suite spans term loans, invoice factoring, asset-based loans, purchase order financing, and interest-only loans, supplemented by sub-products FactorAdvantage (factoring-partner lending) and FactorBridge (short-term bridge factoring into longer-term loans), plus the Prime and Waive working-capital products.
The operating model is a direct-to-borrower fintech platform: applications are submitted online, underwriting and funding are handled in-house, and a client portal supports loan management, payments, and account tracking. The firm is regulated at the state level (Commonwealth of Virginia governing law) and holds a BBB Business Review accreditation. Customers are horizontal US SMBs, illustrated in published case studies across staffing, healthcare, engineering, VR technology, manufacturing services, and medical practices in multiple states.
Revenue is generated primarily from interest and factoring fees on the active portfolio; loan originations cumulatively total nearly $500 million since founding in 2015, with a day-one portfolio exceeding $80 million after the September 2023 merger with 12Five Capital under parent Altriarch Commercial Finance. The company has been funded through senior secured credit facilities with Medalist Partners (2019, expanded 2020 to $20M) and a $45M facility led by Synovus Bank in July 2023, rather than equity venture capital. Following the 2019 acquisition of the lending business by SecurCapital Corp, the 2023 merger with 12Five, and a November 2023 rebrand to Breakout Capital, the firm is led by Co-CEOs McLean Wilson and Danielle Brown, with Ryan Jaskiewicz as Chief Strategy Officer, Firoze Lafeer as CTO, Darwin Olympia as CFO, and Kris Huennekens as Chief Credit Officer.
Breakout Capital Finance firmographics
Firmographics- Name
- Breakout Capital Finance
- Legal name
- Breakout Funding Group, LLC
- Website
- https://breakoutfinance.com
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Breakout Capital Finance is a technology-enabled US direct lender providing alternative working capital—term loans, invoice factoring, asset-based loans, and purchase order financing—to small and medium-sized businesses underserved by traditional banks.
- Ownership category
- akta.pro rank
Breakout Capital Finance industry classification
Industry- Product category
- Small Business Lending
- NAICS
- Sales Financing (52222)
- SIC
- Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- Merchant Cash Advance (MCA) & Revenue-Based Financing (FSAKAGAD)
Keywords
Where Breakout Capital Finance is headquartered
LocationHeadquarters
- HQ city
- Mclean
- HQ country
- United States
- HQ region
- North America
Markets served
Breakout Capital Finance business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Operations, Personnel, Technology or R&D, Marketing or Sales
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Multi-year contract | Term loans and financing products with customized rate pricing |
Distribution channels1 record
Breakout Capital Finance product offering
Product offeringCore offering
Breakout Capital Finance is a technology-enabled direct lender that provides alternative working capital solutions to small and medium-sized U.S. businesses. It offers in-house financing products including term loans, invoice factoring, asset-based loans, purchase order financing, and interest-only loans, with loan sizes ranging from $25,000 to $1 million and terms of 6 to 24 months. The company delivers funding through a streamlined online application and approval process, serving as an alternative to traditional bank financing for businesses that need working capital, growth capital, or cash flow bridging.
Product overview
Breakout Capital Finance is a fintech company operating as a direct lender that provides alternative financing solutions to small businesses. The company offers a comprehensive suite of in-house funding options including Term Loans, Invoice Factoring, Asset-Based Loans, Purchase Order Financing, and Interest Only Loans. Their products are designed to be tailored to each business's unique needs and optimize terms as the business grows, allowing clients to transition between products over time. The portfolio includes specialized products like FactorAdvantage (lending solution for factoring users), FactorBridge (short-term bridge to longer loans), Prime Product (flexible repayment loans), and Waive Product (loans with waived interest post-funding).
Differentiator
Problem solved
Functional benefit
Brands
- FactorAdvantage: A lending solution for small businesses that utilize factoring to finance their business needs.
- FactorBridge
- Waive Product
- Prime Product
Products and services
- Term Loans
- Invoice Factoring
- Asset-Based Loans
- Purchase Order Financing
- Interest Only Loans
- FactorAdvantage
- FactorBridge
- Waive Product
- Prime Product
Companies that use Breakout Capital Finance
Customer profileSegments1 record
Ideal customer profiles1 record
Breakout Capital Finance technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
Breakout Capital Finance partnerships and signals
Strategic signalRecent moves8 records
Expansion highlights5 records
Breakout Capital Finance competitors and assessment
Company assessmentDirect peers
- OnDeck (Enova International): OnDeck is a leading online SMB term loan and line of credit provider serving similar small business customers with comparable ticket sizes, terms, and credit-driven underwriting — directly overlapping with Breakout's core term loan product.
- BlueVine: BlueVine provides invoice factoring and SMB lines of credit to small businesses, closely mirroring Breakout's invoice factoring and working capital offerings with similar fintech-driven origination and servicing.
- Fundbox: Fundbox is a fintech SMB working capital provider focused on invoice-based advances and short-term credit, directly comparable to Breakout's FactorBridge and FactorAdvantage products targeting cash-flow-constrained SMBs.
- Credibly: Credibly provides working capital, term loans, and factoring to SMBs, with comparable ticket sizes, similar customer segment, and a multi-product platform approach directly competitive with Breakout's suite.
- Biz2Credit: Biz2Credit is an SMB lending marketplace and direct originator offering term loans, lines of credit, and SBA-related products — directly competitive with Breakout in serving small businesses seeking alternatives to bank financing.
- Kapitus: Kapitus provides working capital, term loans, invoice factoring, and equipment financing to SMBs, with a multi-product platform model and customer profile closely aligned with Breakout's offerings.
- Forward Financing: Forward Financing is a revenue-based financing provider for SMBs, offering similar short-term working capital solutions to Breakout's customer base with comparable underwriting and product structures.
- StreetShares (now Defy Solutions): StreetShares/Defy offers SMB term loans and lines of credit to small businesses and government contractors, with comparable underwriting and product positioning to Breakout's core term loan product.
Broad incumbents
- Funding Circle US: Funding Circle is a larger SMB lending platform serving small businesses with term loans and lines of credit. Although broader and better capitalized, it competes directly with Breakout in the SMB segment.
Emerging players
- AltLine (by Fundation): AltLine is a marketplace partner network offering SMB lines of credit, with comparable product positioning and customer segment to Breakout, though distributed via bank partners rather than direct origination.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights5 records
Customer concentration
Breakout Capital Finance social profiles
Digital presenceBreakout Capital Finance compliance and trust
Trust signalCompliance1 record
Breakout Capital Finance financial estimates
Financial estimateRevenue estimate
Valuation estimate
Breakout Capital Finance leadership team
Management profileNumber of profiles
Profiles6 records
Breakout Capital Finance funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Breakout Capital Finance M&A and investment
M&A and investmentM&A2 records
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Breakout Capital Finance
What does Breakout Capital Finance do?
Breakout Capital Finance is a technology-enabled direct lender that provides alternative working capital solutions to small and medium-sized U.S. businesses. It offers in-house financing products including term loans, invoice factoring, asset-based loans, purchase order financing, and interest-only loans, with loan sizes ranging from $25,000 to $1 million and terms of 6 to 24 months. The company delivers funding through a streamlined online application and approval process, serving as an alternative to traditional bank financing for businesses that need working capital, growth capital, or cash flow bridging.
Is Breakout Capital Finance a public or private company?
Breakout Capital Finance is a private company. It is classified as corporate owned and is currently operating.
When was Breakout Capital Finance founded?
Breakout Capital Finance was founded in 2015. It employs 11 to 50 people.
Where is Breakout Capital Finance based?
Breakout Capital Finance is headquartered in Mclean, United States, in the North America region.
Who are Breakout Capital Finance's main competitors?
Direct peers on record are OnDeck (Enova International), BlueVine, Fundbox, Credibly, Biz2Credit, Kapitus, Forward Financing and StreetShares (now Defy Solutions). Funding Circle US is listed as a broad incumbent. AltLine (by Fundation) is listed as an emerging player.
Does Breakout Capital Finance have an API?
No public API is recorded for Breakout Capital Finance.
What industry is Breakout Capital Finance in?
Breakout Capital Finance's product category is Small Business Lending. Its primary akta.pro industry code is FSAKAGAD, Merchant Cash Advance (MCA) & Revenue-Based Financing. Its NAICS code is 52222 and its SIC code is 6153.