Instant Capital for
Your Business
From $10,000 to $300,000 — fast, flexible funding without the bureaucracy of traditional banking. Decision in as little as 30 minutes.
Funding in Four Simple Steps
We've eliminated the complexity of traditional lending so you can focus entirely on running your business.
We Say Yes
When Banks Say No
Built for business owners who've been let down by traditional financial institutions. Every great business deserves access to capital.
With a streamlined process, dedicated specialists, and repayment plans structured around your cash flow, we're the funding partner that works for you.
Built for Real Businesses
From the restaurant floor to the construction site — we fund the businesses that keep America moving.
Flexible Capital for Every Stage
Whether you need a quick injection or serious capital to scale, we have a solution built around your cash flow.
- 6+ months in business
- Quick turnaround
- Minimal documentation
- Bad credit considered
- All industries welcome
- Flexible repayment plan
- No prepayment penalty
- Dedicated account manager
- Established businesses
- Custom deal structuring
- Priority processing
- Renewal options available
Built Around Your Business
Ready to Grow Your Business?
Apply today and receive a funding decision in as little as 30 minutes. No obligation. No hard credit check.
Frequently Asked Questions
No. We work with all credit profiles, including bad credit. Our approval is based primarily on your business cash flow and revenue, not your personal credit score.
Most businesses receive funding within 24 hours of approval. Our 60-second application is followed by a specialist call within 30 minutes to structure your offer.
In most cases, just 3 months of business bank statements. No tax returns, no business plan. We keep it simple so you can stay focused on running your business.
No prepayment penalties on any advance. Pay off early anytime. We can also discuss a discounted early payoff. We build long-term relationships, not traps.
A Merchant Cash Advance is a purchase of your future receivables, not a loan. Repayment is structured around your cash flow — no fixed payments, no collateral. Banks say no. We say yes.
We fund from $10,000 up to $300,000 depending on your monthly revenue, time in business, and other factors. Apply and get your best options — no obligation, no hard credit check.
IMPORTANT DISCLOSURES: 305 Ventures Corp d/b/a Point Break Funding is not a bank, lender, or financial institution. Merchant Cash Advances (MCAs) are purchases of future receivables and are not loans. MCAs are not subject to usury laws or the same regulations as traditional loans. All funding decisions are subject to underwriting approval and are not guaranteed. Approval amounts, terms, and factor rates vary based on business performance, time in business, industry, and other underwriting criteria. The decision timeframes and funding speeds referenced on this site represent typical scenarios and are not guaranteed. Bad credit consideration does not guarantee approval. By submitting an application, you consent to be contacted by Point Break Funding. Submitting an application does not obligate you to accept any offer. This is not an offer to extend credit. Results may vary.