Is this part true:

• Interest is forgiven at renewal (the unpaid interest), as long as you have stellar payment history
• Won't affect personal credit. This will build business credit though since it is an advance

.... Only Breakout does unpaid interest forgiven at renewal.
.... And who reports to business credit except Breakout?

It's not Breakout, since they were offered "add-ons" and Breakout does do "add-ons."

I think this a broker's dream of a plain old white vanilla MCA.