Break Bread Lending

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Break Bread Lending

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From $10K to multimillion, Break Bread Lending provides honest, established business funding — since 2022. Everyone deserves equal access to money and growth.

CEO Ryan Shamim has served as a mentor and judge on Beta Blox. Let's break bread.

10/29/2026

The Fed held yesterday. The two dissenters wanted a hike.

Per the Federal Reserve October 28 statement, the vote was 10 to 2 to keep rates at 3.75% to 4.00%. This morning the Bureau of Economic Analysis put September PCE inflation at 3.6% from a year earlier, up from 3.4% in August, against a 2% target.

Prime stays at 7.00%. But markets price roughly an 85% chance of a December hike, per Reuters. One quarter point is about $875 a year on every $350,000 of variable rate debt.

How much of your debt would reprice if prime moves up in December?

10/28/2026

The Federal Reserve announces its rate decision today at 2 PM. Here is the translation for business owners, before the headlines land.

The Fed raised rates in September for the first time since 2023, to a range of 3.75% to 4.00%. That move pushed the prime rate to 7.00%. Most economists polled by Reuters expect a hold today, with the real fight pushed to December.

Prime is the index under most variable-rate business debt. SBA loans commonly price at prime plus a spread. Every quarter point the Fed adds is about $875 a year on every $350,000 of variable-rate debt you carry.

Fixed-rate debt does not move when the Fed does. If your borrowing costs float, the Fed sets part of your payment. If they are fixed, it sets your competitor's.

Which way does your debt move if the Fed hikes in December?

10/27/2026

Run this math before you sign anything with daily payments.

Take $250,000 as a merchant cash advance at a 1.40 factor. You pay back $350,000, pulled out of your account over roughly six months. That is about $13,460 a week, every week, whether the week was good or bad.

Take the same $250,000 as a term loan at an illustrative 10% over 10 years. The payment is about $3,304 a month. One payment. Sized to the business, not to the calendar.

Same money in. Completely different pressure while you pay it back.

Stacked advances can be refinanced into one monthly payment. Up to $350,000, terms up to 10 years, for owners with 640+ credit and 1+ year in business.

How many daily or weekly payments are coming out of your account right now?

10/26/2026

The SBA waived a five-figure fee this month, and almost nobody announced it.

Under SBA SOP 50 10 8.1, effective October 1, the upfront guaranty fee is now 0% on 7(a) loans of $700,000 or less for manufacturers, food supply chain businesses, and rural businesses, through September 2027. On a mid-six-figure loan, that fee ran into five figures before you saw a dollar.

The same update tightened acquisitions: stronger cash flow coverage, proven on historical numbers, not projections.

Did your quote this month show an upfront SBA fee?

10/26/2026

The number one myth about factoring, answered straight.
Your customers see payment instructions. That is the whole story.
Break Bread Lending. breakbreadlending.com

10/25/2026

Data licensing pitches are everywhere this month. Most of them lead with a range on a slider.

Before you sign anything, ask five questions:
1. Can you show me a published outcome?
2. What is the range actually based on?
3. Do I sign anything exclusive, or pay anything, before I see a real number?
4. Who sees my records, and at what point?
5. What exactly am I signing, and who pays you?

A real offer survives all five. Our answers are published, outcomes and bands included. The full guide is in the first comment.

What would you ask before letting anyone value your company's records?

10/25/2026

"Price is what you pay. Value is what you get." Warren Buffett wrote that about buying businesses. It is also the truest sentence ever written about borrowing money.

Owners shop for the lowest rate and end up with the most expensive money: daily payments that drain the account, terms so short the loan eats the growth it was supposed to fund.

The right question is not "what is the rate?" It is "what does this money let me do, and what does it cost me in total, in time and in cash flow, while I do it?"

We will be posting here every day: the math, the news that moves your costs, and the things nobody tells owners until it is too late.

What is the most expensive money you ever took, and what made it expensive?

10/24/2026

You finished the job. Materials and crew are still waiting on you.

Quick math: a $40,000 invoice on net 45 means you cover two payrolls, fuel, and materials out of pocket before that money lands.

That is not slow business. That is slow payment.

We turn open construction invoices into cash within 24 hours, so the next job does not have to wait on the last one.

How long do your clients usually take to pay?

10/23/2026

Your best workers do not quit over the work. They quit over late pay.

One late Friday and your most reliable people start taking calls from the agency down the street. The work was done. The timesheets were in. Your client just has not paid yet.

We turn open staffing invoices into cash within 24 hours, so pay stays on time and good people stay put.

Have you ever lost a good worker over a late paycheck?

10/22/2026

Growth can make payroll harder, not easier.

Every new placement adds wages you pay this week, on an invoice your client pays weeks later. The bigger the week, the bigger the gap you have to cover yourself.

We turn open staffing invoices into cash within 24 hours, so growth does not have to wait on client payment terms.

Have you felt payroll get tighter as you grew?

Address

271 W. Short Street Ste 410
Lexington, KY
40507

Website

https://www.breakbreadlending.com/

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