By accessing or using the Point Break Funding website (pointbreakfunding.com) or submitting any application or inquiry, you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree, do not use our website or services.
These Terms of Service (“Terms”) constitute a legally binding agreement between you (“User,” “Applicant,” or “you”) and 305 Ventures Corp d/b/a Point Break Funding (“Point Break Funding,” “we,” “us,” or “our”), a Florida corporation located at 66 W Flagler Street, Suite 900, PMB 12226, Miami, FL 33130.
These Terms govern your use of our website, online application, and any related services. They do not constitute or replace the terms of any specific Merchant Cash Advance agreement, which will be provided separately upon approval.
Point Break Funding provides Merchant Cash Advance (MCA) products to eligible business owners in the United States. An MCA is a purchase of a portion of a business’s future receivables — it is not a loan and is not regulated as one. We are not a bank, credit union, or licensed lender.
Our website serves as an informational resource and an application portal. Submission of an application does not guarantee an offer of funding, and any offer is subject to underwriting approval and the execution of a separate MCA agreement.
We also operate an ISO Partner Program through which independent sales organizations and brokers may refer applicants to us in exchange for commissions. ISO Partner relationships are governed by separate ISO agreements.
To use our services and submit an application, you must:
By submitting an application, you represent that you meet all eligibility requirements. We reserve the right to deny any application at our sole discretion.
By submitting an application or inquiry through our website, you:
Important: Providing false, misleading, or fraudulent information in connection with an application is a serious violation of these Terms and may constitute fraud under applicable state and federal law.
A Merchant Cash Advance is a commercial transaction in which Point Break Funding purchases a specified amount of your future business receivables at a discount. It is not a loan. Key characteristics include:
The specific terms of any MCA — including the funded amount, factor rate, remittance amount, and term — will be set forth in a separate MCA agreement which you will have the opportunity to review before signing.
By using our services, you represent and warrant that:
You agree to use our website only for lawful purposes and in accordance with these Terms. You agree not to:
We reserve the right to terminate your access to the site at any time for any violation of these Terms.
All content on this website — including text, graphics, logos, images, and software — is the property of Point Break Funding or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our prior written consent.
The Point Break Funding name, logo, and all related marks are trademarks of Point Break Funding. Unauthorized use of our trademarks is strictly prohibited.
The information on this website is provided “as is” without warranties of any kind, express or implied. Point Break Funding does not warrant that the site will be uninterrupted, error-free, or free of viruses or other harmful components.
Nothing on this website constitutes legal, financial, tax, or investment advice. We strongly encourage all applicants to consult with independent legal and financial advisors before entering into any MCA agreement.
Stated timeframes (e.g., “decision in 30 minutes,” “funds in 24 hours”) represent typical scenarios only and are not guaranteed. Actual timelines vary based on individual circumstances.
Approval is not guaranteed. All applications are subject to underwriting review and we reserve the right to decline any application at our sole discretion without providing a reason.
To the fullest extent permitted by applicable law, Point Break Funding, its officers, directors, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages — including but not limited to loss of profits, data, or business opportunities — arising out of or related to your use of our website or services, even if we have been advised of the possibility of such damages.
Our total liability to you for any claims arising under these Terms shall not exceed the total amount of fees paid by you to Point Break Funding in the twelve (12) months preceding the claim, or $500, whichever is greater.
Some jurisdictions do not allow the exclusion or limitation of certain damages, so the above limitations may not apply to you.
You agree to indemnify, defend, and hold harmless Point Break Funding and its officers, directors, employees, agents, and affiliates from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising from:
Please read this section carefully. It affects your legal rights, including your right to file a lawsuit in court.
Any dispute, claim, or controversy arising out of or relating to these Terms, your use of our website, or any services provided by Point Break Funding shall be resolved by binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules, rather than in court.
The arbitration shall take place in Miami-Dade County, Florida. The arbitrator’s decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.
You agree that any arbitration or proceeding shall be limited to the dispute between you and Point Break Funding individually. You waive your right to participate in class action lawsuits or class-wide arbitration.
Either party may seek injunctive or other equitable relief in a court of competent jurisdiction to prevent irreparable harm pending arbitration. Small claims court actions that qualify may be brought without arbitration.
These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. For any matters not subject to arbitration, you consent to the exclusive jurisdiction of the state and federal courts located in Miami-Dade County, Florida.
We reserve the right to modify these Terms at any time. Updated Terms will be posted on this page with a revised effective date. Your continued use of our website or services following the posting of changes constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.
Material changes to these Terms will be communicated to active account holders via email where reasonably practicable.
If you have any questions about these Terms of Service, please contact us: