Your industry isn't the problem. Your processor is.
Break Free Finance is a payments and banking advisory that places high-growth, complex businesses with banks that knowingly underwrite their industry.
Financial institutions and solution providers in our network, relationships built over decades.
- $1B+processed
- 100+merchants placed
Why relationships matter
A bank takes on a business it understands. Getting its risk team there is the work.
We know the banks
We work with 40+ financial institutions and solution providers and know what each one will take, and what it won't.
We know how risk teams think
A bank carries a merchant's chargebacks for months after each sale. We know what it needs to see before it takes that on.
Fit over speed
A quick yes from the wrong bank is the most expensive kind. We place you where the bank's appetite matches your business.
How it works
Understand
We learn how your business really works: what you sell, how you sell it, and where it's going.
Tell the story
We present your business the way a bank risk team needs to see it. Clear, complete and honest.
Advocate and place
We take it to the banks in our network that fit and advocate for you with their risk teams. The bank makes the call. After the account opens, we stay with you.
What we place
Card processing and banking, placed with institutions that understand your business.
Merchant acquiring
- Merchant accounts for high-growth, complex businesses
- Card-present and online processing
- Payfac and ISO sponsorship
Money movement
- Business operating accounts
- ACH, wires, RTP and FedNow
- Cross-border and correspondent banking
- Crypto banking
Industries
Your industry doesn't decide whether you can be banked. It decides which bank.
Questions
Who will process payments for my peptide store?
A bank that knowingly works with research-use-only peptides. We know which ones do, and we present your business to their risk teams the way they need to see it.
Stripe closed my account. What do I do now?
Keep your records, keep serving customers, and don't hide the closure. Then find a bank that understands your industry, and present your business to it properly. We can't release funds Stripe is holding.
How long can Stripe or PayPal hold my money?
It depends on their terms, and it can run for months. The lasting answer is a bank that understood your business before you started processing.
Can I get a merchant account if I'm on the MATCH list?
Sometimes. It takes the right bank and an honest, well-told story. Disclose it, because hiding it ends the next account too.
What is a high-risk merchant account?
A merchant account from a bank that knowingly works with your industry. The bank carries your chargebacks for months after each sale, so it wants to understand your business first.
Are you a payment processor or a bank?
Neither. Break Free Finance is a payments and banking advisory. We place your business with banks in our network and advocate for you with their risk teams. The bank makes the final call.
Tell us what you sell and what's broken.
Full disclosure, told well, is the only setup that lasts.