Not just credit scores.

We underwrite based on a richer picture—personality, behavior, business fundamentals, and momentum—so we can make better decisions and support more business owners.

What We Do

We’re building the go-to capital partner for small business owners – supporting both the individual and the business with funding and services for long-term growth and sustainability.

Smart Underwriting for underestimated founders

We’re developing tools that combine behavioral insights, character traits, and real-time financials to open doors that traditional models miss. We look for ways to get to yes!

Transforming loan servicing into long-term support

We’re developing tools that combine behavioral insights, character traits, and real-time financials to open doors that traditional models miss. We look for ways to get to yes!

Client, partner, champion, investor - let us know what you’d like to hear from us and how you’d like to participate. Join GoodBread’s Growing Community
Our founders

We’re passionate about our mission to make borrowing simple, fast, and fair.

Noa Simons is an entrepreneur, investor, and ecosystem builder. She’s driven to make capital more accessible for small business owners across America.
Noa Simons Chief Executive Officer & Co-founder
Get in touch
Seth Levine is an investor, advisor, author, and entrepreneur. His book, The New Builders, is about the changing nature of entrepreneurship in America today.
Seth Levine Chief Executive Officer & Co-founder
The New Builders book
Meet the team
Our partners and investors
We’re proud to build GoodBread alongside a dedicated team of advisors, supporters, and organizations who believe in this mission.

Frequently Asked Questions

Are you lending money right now?

Yes! For well-qualified small businesses, we offer $5k starter loans. Once the starter loan is fully repaid, clients are eligible to apply for term loans up to $100k.

What are your minimum requirements to make a loan?

Businesses need to have a separate legal entity, business bank account, and have been in business for at least 6 months to apply. The business needs to demonstrate ability to repay the requested loan on current cash flow and have a business use for funds that aligns with growth and sustainability.

How are you different from other lenders or banks?

GoodBread is different because we underwrite the whole person – blending behavior, character, and real-time financial data – and go beyond repayment with servicing that supports growth, leadership, and connection. We’re not just giving out loans; we’re building lasting partnerships.

© 2025 GoodBread Inc. All rights reserved.