SMALLBIZFUNDING

What SMALLBIZFUNDING does

BankBreezy (operating under the SMALLBIZFUNDING record) is a US-based, private for-profit financial services company that operates a web-based business funding aggregation platform. The platform connects small business owners and gig-economy workers to multiple third-party business funders through a single application, using a soft credit pull to surface competing offers across products ranging from $500 side-gig funding up to $2,000,000 in next-day business funding, plus lines of credit up to $150,000. The company also offers a zero-fee dual-pricing payment processing service and a Breezy ConnectCash debt-payoff program, with a $500 Meet or Beat Guarantee as a customer-acquisition mechanism (subject to revenue, tenure, geography, and industry eligibility restrictions).

Underlying technology is a self-serve website platform with online application intake (bank statements, voided check, driver’s license), cookie-based analytics, and integrations with Google and Facebook advertising stacks; the platform is offered in English and Spanish. The business monetizes through transaction-based facilitation commissions on funded loans, spreads on payment processing, and recurring subscription/agent fees. Distribution is primarily through the company website augmented by an agent/referral partner network, digital retargeting, and a vertical-specific endorsement by the National Electrical Contractors Association (NECA). Services are available in the United States and Canada, with the Meet or Beat Guarantee and certain features restricted in California, Nevada, New York, Utah, Virginia, North Dakota, South Dakota, and Montana.

The company is headquartered in Milford, Michigan per its Terms of Service, has 51-100 employees, holds the BankBreezy trademark, and maintains GDPR, CCPA, and COPPA-aligned privacy practices. No public funding rounds, management team information, revenue disclosures, or M&A activity are available in the source material.

Name

SMALLBIZFUNDING

Legal name

BankBreezy

Website

https://bankbreezy.com

Company type

Private

Operating status

Operating

Headcount range

51–100 employees

Short description

BankBreezy operates a web-based business funding marketplace that connects small business owners and gig workers with multiple third-party funders via a single application, supplemented by zero-fee payment processing, across the US and Canada.

Ownership category

akta.pro rank

Product category

Small Business Lending Marketplace

NAICS

Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Merchant Cash Advance (MCA) & Revenue-Based Financing (FSAKAGAD)

akta.pro secondary industries

Merchant Cash Advance & Revenue-Based Financing Enablement (FSAGALAH), Small-Dollar Short-Term Installment Loans (Non-payday) (FSAKAMAI)

Keywords

• Small business lending
• Business funding marketplace
• Merchant payment processing
• Short-term business loans
• Business line of credit

Headquarters

HQ city

Goldsboro

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Funding Facilitation / Commission: BankBreezy connects small business owners with multiple business funders through a single application. The platform earns revenue by facilitating funding between borrowers and lenders, with funders competing for the customer's business.
2. Payment Processing Fees: Zero-fee payment processing using a dual pricing model where qualifying merchants receive zero processing fees. Revenue may be derived from the spread between card-present and card-not-present rates charged to merchants.
3. Subscription / Agent Fees: The platform mentions subscription-based products and services, with automatic billing and renewal for subscribers. Company Policies and Procedures govern agent relationships.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

BankBreezy (SMALLBIZFUNDING) operates a web-based business funding aggregation platform that matches small business owners and gig workers with multiple competing business funders through a single application and a soft credit pull. Core offerings include Next Day Business Funding (up to $2,000,000), Same Day Micro-Funding (up to $10,000), Same Day Side-Gig Funding ($500-$5,000), and Business Lines of Credit (up to $150,000), complemented by zero-fee dual-pricing payment processing and the Breezy ConnectCash debt-payoff program. Revenue is primarily generated through funding facilitation commissions, with additional income from subscription/agent fees and payment processing economics.

Product overview

BankBreezy operates as a business funding aggregation platform that connects small business owners with multiple funding providers through a single application. The core platform offers four main funding products: Next Day Business Funding (up to $2 million), Same Day Micro-Funding (up to $10,000), Same Day Side-Gig Funding ($500-$5,000), and Business Line of Credit (up to $150,000). The platform is complemented by a Zero Fees Payment Processing service using dual pricing and the Breezy ConnectCash program for debt payoff acceleration. A $500 Meet or Beat Guarantee is offered to eligible applicants, subject to income and operational tenure requirements.

Differentiator

Problem solved

Functional benefit

Brands

• Breezy ConnectCash: Exclusive program that can save customers thousands and pay off their balance sooner.

Products and services

• BankBreezy Business Funding Platform A web-based funding aggregation platform that connects small business owners with multiple business funders through a single application, delivering competitive funding offers and soft-pull credit matching for qualified US and Canadian SMB applicants.
• Next Day Business Funding Business funding option providing access to capital up to $2,000,000 with next-day funding availability for qualified small business applicants who meet platform eligibility criteria.
• Same Day Micro-Funding Expedited micro-funding option offering same-day access to capital up to $10,000 for immediate small business needs.
• Same Day Side-Gig Funding Funding product designed for side-gig and gig economy workers, providing same-day access to amounts between $500 and $5,000 for immediate working capital needs.
• Business Line of Credit Revolving credit facility offering access to capital up to $150,000 for ongoing small business operational needs.
• Zero-Fee Payment Processing (Dual Pricing) Payment processing service utilizing dual pricing to eliminate transaction fees for qualifying merchants, with a four-step onboarding flow covering info entry, statement upload, equipment setup, and go-live.
• Breezy ConnectCash Program Exclusive program helping funded clients save thousands and pay off their financing balance sooner through negotiated or accelerated payoff benefits.
• $500 Meet or Beat Guarantee Price-protection guarantee awarding $500 to eligible applicants if BankBreezy cannot meet or beat a competing funding offer from another lender, subject to eligibility rules including $20K+ monthly revenue for three consecutive months, 12+ months in operation, and clean financial history.

Quantifiable outcome

• Next day business funding up to $2,000,000; same day micro-funding up to $10,000; same day side-gig funding $500-$5,000; business line of credit up to $150,000
• +1 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Two partnerships are on record, tiered minor.

• National Electrical Contractors Association (NECA)minorGTM or Marketing PartnerBankBreezy is endorsed by the National Electrical Contractors Association (NECA). This endorsement provides credibility within the electrical contracting industry and serves as a marketing/referral channel to NECA member businesses seeking business funding and payment processing services. The endorsement is displayed on the BankBreezy website.
• DAC (Partner Logo)minorGTM or Marketing PartnerDAC is shown as a partner logo on the BankBreezy website. The specific nature of the partnership is not detailed beyond the partner logo appearing alongside NECA. The partner ID 'DAC' appears in URL tracking parameters across all pages.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Biz2Credit: Biz2Credit runs an SMB lending marketplace matching borrowers to a network of banks and alternative lenders via a single application, directly comparable in product breadth and target segment.
• Fundera: Fundera (now part of NerdWallet) is an SMB loan marketplace that brokers small business financing products including lines of credit, term loans, and MCA — closely overlapping BankBreezy's product set.
• SmartBiz Loans: SmartBiz is a tech-enabled SBA and small business loan marketplace that aggregates lenders and matches borrowers through an online application — a comparable SMB funding aggregation play.
• Lendio: Lendio operates an SMB loan marketplace that connects small business borrowers with multiple lenders through a single application — the closest direct analogue to BankBreezy's multi-funder aggregation model.
• National Funding: National Funding is an alternative SMB lender specializing in working capital advances and equipment financing — comparable to BankBreezy's MCA and next-day business funding offerings.
• CAN Capital: CAN Capital is a long-standing direct provider of working capital and MCA products to SMBs — comparable in product type (revenue-based funding) and target customer (small businesses needing fast capital).

Broad incumbents

• OnDeck Capital: OnDeck is an established SMB online lender offering term loans and lines of credit; it is part of the funder universe BankBreezy's marketplace connects to and represents a larger incumbent in the same SMB financing category.
• BlueVine: BlueVine provides SMB financing including lines of credit and invoice factoring; it operates as a direct lender in segments adjacent to BankBreezy's marketplace offerings.

Emerging players

• Kiva: Kiva provides crowdfunded microloans to small businesses and entrepreneurs — overlapping with BankBreezy's micro-funding tier and small-Dollar short-term credit positioning.
• Accion Opportunity Fund: Accion Opportunity Fund is a nonprofit community development lender providing small-dollar business loans to underserved SMBs — comparable to BankBreezy's micro-funding and side-gig tiers serving thin-file borrowers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/bank_breezy
• Facebookfacebook.com/profile.php
• LinkedInlinkedin.com/company/bank-breezy

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about SMALLBIZFUNDING