SBA or even Fundation seems like the best avenue for this merchant. What is their timeline for funding? We provide a lot of merchants with bridge financing while they are working on their SBA loan. Though I can't get to an 8% rate, we do provide loans up to 24 months with daily, weekly and monthly repayment options. For customers using this as a bridge product, we have very aggressive early repayments structures where the merchant save upwards of 60% on the total cost of the loan. Feel free to reach out to me directly to discuss this deal as well as our product details.

FYI...Something does seem a little off on the numbers above. A highly profitable pizza shop should have margins of about 25% (net) and more typically trend to 10-15% margins, especially if they are chain. Above you stated taxable income of $1.5MM on about $3.3MM of revenue which is about a 45% margin which is more in line with gross profit margins of a pizza store. Was the $1.5MM the combined net over 2 years?


Steven Safirstein
Vice President of Sales & Head of ISO Relations
Breakout Capital Finance, LLC
6862 Elm Street, Suite 300, McLean, VA 22101
O: 703 852 6013 I steven@breakoutfinance.com