“Can an alternative SMB lender differentiate by bundling diverse in-house financing products (working capital, factoring, asset-based, PO financing) with AI-driven decisioning to become the one-stop capital provider for underserved small businesses?”
Founded in 2015 as Breakout Capital, the company built an alternative lending platform for US small businesses, cumulatively funding over $1 billion in loans across working capital, invoice factoring, asset-based loans, and purchase order financing. Operating under Breakout Capital Holdings, Inc. (later affiliated with Altriarch Commercial Finance), the company rebranded to Breakout Finance. A related trust/AI entity (getbreakout.ai, founded 2024) appears to be a technology arm or spin-off using AI infrastructure including OpenAI, suggesting a move toward AI-assisted underwriting or decisioning.
Breakout Finance processes payments through Stripe.
Breakout Finance's payroll is powered by Gusto.
Breakout Finance uses Taktile for fraud prevention.
The Embedded Finance Index 2026 maps 4 layers in Breakout Finance's stack: Payments / PSP (Stripe); Lending (Working capital term loans, Invoice factoring, Asset-based loans, Purchase order financing and 1 other); Payroll (Gusto); Fraud (Taktile).
Breakout Finance is founded in 2015 and headquartered in McLean, Virginia, United States.
Breakout Finance has raised $45.0M in total.
Get a read on where your own stack stands against Breakout Finance and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.