For business PhD, any decent program should be fully funded. So, that part isn't an issue.
I was reading your profile, and it seemed to be going ok until I saw that you are only targeting top 20. As you said, programs in the US are extremely competitive. Top 20 for business PhD programs are usually considered a crapshoot, very hard to predict even for very strong applicants. It's not common to see people limiting themselves to the top 20. And, although ranks matter, they are far from being the only factor to consider for school selection (and I would say far from being the most important).
So, you may have a shot at top 20, but don't get your hopes too high.
I wouldn't say that your coursework would disqualify you. And maybe a score of 85% would be sufficient. But you need to know that there will be applicants that are much stronger than you in that regard. You need to be among the best of the best, and not be just sufficient. And a GMAT of 690, for example, is much lower than the average even for schools way below top 20.
The real strength in your profile seems to be your letters of recommendation.