Capital Available
When You Need It.
An approved amount you draw from as opportunities arise, subject to approval. Request capital as needed without reapplying, and your availability restores as you repay. Up to $100,000, over terms of 6–12 months.
Check My AvailabilityOne Approval. Capital When You Need It.
A Business Cash Advance delivers your capital in a single lump sum. A Line of Capital works the other way round: you are approved for an amount up to $100,000 and take it in the pieces your business actually needs, when it needs them.
A Line of Capital is not a bank line of credit and is not a loan. It is an approved amount against which Point Break Funding may purchase future receivables, subject to underwriting approval, account standing, and the terms of the applicable agreement. Terms run from 6–12 months. Availability is not guaranteed and may be adjusted or withdrawn.
Built for Uneven Weeks
If your capital needs arrive in instalments rather than all at once, taking a single lump sum means paying for capital before you use it.
- Stock up before a busy season
- Cover a slow month without a new application
- Draw again when the next cycle turns
- Fund materials as each job is won
- Bridge the gap until the client pays
- Keep availability free for the next one
- Move on inventory at short notice
- Replace equipment the week it fails
- No need to hold idle capital
Approved in Four Simple Steps
We've eliminated the complexity of traditional lending so you can focus entirely on running your business.
Not Sure Which You Need?
Take your capital in one lump sum, or keep an approved amount available and draw from it as needs arise.
Capital upfront. Simple and fast.
A lump sum based primarily on the strength and cash flow of your business.
Capital available when you need it.
An approved amount you draw from as opportunities arise, subject to approval.
Ready to Grow Your Business?
Apply today and receive a funding decision in as little as 30 minutes. No obligation. No hard credit check.
Line of Capital Questions
305 Ventures Corp d/b/a Point Break Funding is a Miami-based Merchant Cash Advance company that provides fast, flexible working capital to business owners across the United States. We are not a bank or traditional lender — we specialize in alternative business funding solutions for companies that may not qualify for traditional financing.
To be considered for funding, your business must: (1) be registered and operating in the United States, (2) have at least 6 months of business history with verifiable revenue, and (3) be able to provide a minimum of 3 months of business bank statements. Additional criteria may apply based on underwriting review.
In most cases, we only require a completed application and your last 3 months of business bank statements. No tax returns, business plans, or complex financial statements are required for initial review. Additional documentation may be requested during underwriting depending on the deal size and business profile.
Our initial application process uses a soft credit inquiry, which does not impact your credit score. A hard credit inquiry may be conducted during final underwriting for larger advances. You will be notified before any hard pull is performed.
In many cases, approved applicants can receive funds within 24 hours of signing their agreement. Funding timelines depend on the completeness of your application, underwriting review time, and your bank’s processing times. Timing is not guaranteed and may vary.
Repayment is structured as a fixed daily or weekly ACH remittance from your business bank account. The remittance amount is agreed upon before signing and remains consistent throughout the advance term. Because it is a fixed remittance rather than a percentage of sales, the payment does not fluctuate with your revenue.
No. There are no early repayment penalties. If you choose to pay off your advance ahead of schedule, you are only responsible for the remaining balance owed — you do not pay additional charges for paying early. Some offers may include a prepayment discount; your offer will specify the exact terms.
No. Submitting an application or receiving an offer does not obligate you to accept funding. You are free to review your offer, ask questions, and decline if it does not meet your needs. We encourage you to review all terms carefully before signing any agreement.