Breakout Capital Finance

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.

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

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

• Small business lending
• Alternative financing
• Invoice factoring
• Asset-based lending
• Working capital loans

Headquarters

HQ city

Mclean

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B

Offering type

Services

Cost components

Operations, Personnel, Technology or R&D, Marketing or Sales

Pricing tiers

Distribution channels1 record

Core 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

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Recent moves8 records

Expansion highlights5 records

Direct 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

• Xx.com/BreakoutCap
• Facebookfacebook.com/breakoutcapital
• LinkedInlinkedin.com/company/breakout-capital-finance/mycompany
• Instagraminstagram.com/breakoutcap/?hl=en

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A2 records

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Breakout Capital Finance