Well, I don't know how you chose your list of schools to apply. But, in my opinion, just going lower is rarely the answer.
Things like research fit should still be more important than ranking, for example. So, it doesn't make much sense to recommend a university without taking that into consideration. A top ranking school may be awful, and a lower ranking school may be great, depending on your research interests.
And, at least when I applied, I didn't see any university that didn't provide funding for the PhD students. Usually, that's not a major concern for applications in business.