Your Journey
The Five Steps — From Qualify to Funded
Most business owners apply to one bank, wait 2–6 weeks, and either get approved at whatever rate the bank offers or get declined with no alternatives. Here's how it works when 70+ lenders compete for your business instead.
Step 1 of 5
Qualify
60 seconds
Start right here with the slider — enter your annual revenue and a couple of basics, and you'll see a conservative estimate of what a lender could realistically offer. No documents. No credit check. No commitment. Think of it as a starting number, not an approval — a fast read on the capital that's actually in range before you ever talk to anyone.
A conservative funding range built from your revenue — a real number to anchor on, not a yes/no.
Think about the last time you applied for business funding. How many documents did they ask for upfront? How many days before someone even looked at your application? What if the first step took 60 seconds, asked for zero documents, and showed you an estimated range on the spot?
Step 2 of 5
Application
Within 24 hours
When you're ready to move forward, the real application begins and a funding specialist is assigned — one person, your single point of contact start to finish. This is where a soft credit pull happens (it doesn't touch your score), along with a quick look at your bank statements, so your specialist can get underwriting started before a single lender sees you. The point isn't to bury you in paperwork — it's to package the business so it shows its best.
Your specialist's name, and confirmation the application is moving.
Step 3 of 5
Matched to the Right Lenders
24–48 hours
This is where a marketplace beats a bank. Your specialist sends the business to the lenders actually funding your industry this week — and on a larger structure, the right lender for each piece of the stack. They review in parallel, not one after another. A bank decides whether you're good enough for them; here, lenders compete to win you — and competition is what moves terms in your direction. And if you're funding against a purchase order or an A/R contract, this is the fastest path of all — there's already a contract to advance against, so offers come back quick and the money lands in days.
Best-fit lenders reviewing your business at the same time — the marketplace working for you.
When was the last time a lender actually competed for your business? Banks don’t compete — they evaluate. They decide whether YOU are good enough for THEM. In a marketplace, lenders compete for YOU. That’s not a marketing line — it’s how the math works. More competition, better terms.
Step 4 of 5
One Advisor, Real Term Sheets
You set the pace
Your specialist brings back real term sheets — not ballpark estimates, not “rates as low as.” Actual offers, with the full number on each: total repayment, payment schedule, fees, conditions. They walk every line in plain English — no jargon, no pressure — and tell you which structure they'd take and why. You compare, you ask, you choose. If nothing fits, you walk away: no cost, no obligation, no hard feelings.
A clean side-by-side of your offers, with your advisor on the phone for every question.
Step 5 of 5
Structured & Funded
Same day to a few weeks, by product
You accept the structure that fits, sign digitally, and funds wire straight to your business account. Working capital and revenue-based lines can fund same-day; equipment in days; a multi-product capital stack comes together in a few weeks — fast either way next to a bank's 60–90. Then your specialist doesn't vanish: they check in after funding, and once you've built a few months of on-time payments, they're a call away to review your rate or refinance. Get funded now, optimize later.
Capital in your account — and an advisor who's still there when you grow.
What It Takes
Do You Qualify?
Most businesses qualify — and the ones funded same-day or in 24–48 hours all have one thing in common: they show up to the application with these ready. We move at fintech speed, so the moment your documents are set, the capital's ready to deploy.
Revenue-Based Approval
Sized on your last 4 months of bank deposits.
6+ Months in Business
Minimum time in business for most products.
Business Checking Account
Dedicated business account required.
Business License or EIN
Proof your business is registered.
Government-Issued ID
Driver's license or passport.
All Revenue Tiers
Lenders matched across the full capital range.
For the application, have ready
Under two years in business, or the returns show a loss? We can structure on bank statements alone.
Start Here
See Your Range in 60 Seconds
No credit check, no documents to start, and an estimated funding range on the spot. No one contacts you until you’re ready to move forward.
What Happens When You Start
Estimate Your Capital Range
Slide to your annual gross revenue. We size capital off your top line — not your credit score.
Estimated Capital Range
A conservative range based on 10-15% of annual revenue — many businesses qualify for more with strong receivables or assets behind them. Lenders return real term sheets once they see your file.
60 seconds · No obligation · Estimate only
The Marketplace Advantage
Why This Works Better Than Going to a Bank
One Bank = One Answer
A bank offers their products at their rates on their timeline. If they say no, you start over somewhere else. With Basecamp, 70+ lenders see your application simultaneously.
Speed Without Sacrifice
Banks take 2–6 weeks for a decision. Our marketplace returns multiple competing offers in 24–48 hours — without sacrificing quality or terms.
Product Matching, Not Product Pushing
Banks sell bank products. MCA companies sell MCAs. Your Basecamp specialist matches you to the right product for your situation — even one you've never heard of.
One Credit Event
Applying to five banks means five hard pulls. Through Basecamp, one soft pull at application generates multiple competing offers. Your score stays untouched.
No Cost to You
The lender pays Basecamp, not you. You get a funding specialist, competing offers, and expert guidance at zero cost.
Rate Review at 6–12 Months
Many of our lending partners offer a rate review after 6–12 months of on-time payments. Get funded now on terms that work. Optimize later once you've built the relationship.
Know Your Timeline
How Fast Each Product Funds
Working with Basecamp? You don’t need every document on day one. Most products start with just 4 months of bank statements. Your funding specialist analyzes your full picture first and strategically determines which documents to submit — because sometimes a document that looks fine to you can raise a concern with an underwriter. Our team knows what to send, what to hold, and when to send it.
Timelines are typical ranges. Your specific timeline depends on your business profile, product type, and how ready your documents are. Prepared borrowers fund faster — see our Pre-Application Checklist for what to have ready.
Ready to Start? It Takes 60 Seconds.
No credit check. No documents. See your estimated funding range in 60 seconds.
Request a Financing Review →Your Advocate
What Your Dedicated Funding Specialist Actually Does
Analyzes your full business profile — not just your credit score. Revenue trends, industry, cash-flow patterns, time in business, and how you plan to use the capital all factor into which lenders see your application.
Matches you to the right products — your specialist has seen thousands of applications and knows which lenders are actually funding your type of business right now. Not last quarter. Right now.
Manages the lender relationship — you don’t chase underwriters, field document requests from five different lenders, or decode term sheets full of jargon. Your specialist handles all of it and presents your options in plain English.
Stays with you after funding — your specialist checks in after funding to make sure everything’s working. And when your business grows or your needs change, they’re a phone call away to restructure or refinance.
Every business owner on our case studies page started the same way — 60 seconds on a form. The ones who moved quickly got funded in days. The ones who waited another month got the same terms a month later — plus whatever opportunities they missed in between.
The question isn’t whether you should explore your options. It’s what it costs you to wait another week.
Common Questions
Frequently Asked Questions
No. The estimate uses no credit check at all — it’s built from the numbers you enter. A soft credit pull only happens later, once you start the full application with your specialist, and even that doesn’t affect your score. A hard pull never happens unless you choose to formally move forward with a specific lender — and your specialist tells you before it does.
The estimate takes 60 seconds. Your specialist is assigned within 24 hours, and competing offers typically arrive 24–48 hours after that. From there, funding ranges from same-day (working capital and revenue-based lines) to a few weeks for larger capital stacks. Most products fund in under two weeks — days, not the bank’s 60–90.
For the 60-second estimate: nothing — zero documents. When you start the application, most products begin with just 4 months of business bank statements. Larger or real-estate transactions need a fuller package — P&L, balance sheet, and two years of business tax returns — and your specialist tells you exactly what’s needed for your situation. Under two years in business, or showing a loss? We can often structure on bank statements alone.
No. The lender pays Basecamp, not you. You get a dedicated specialist, competing offers, and expert guidance at zero cost. No fees, no charges, no hidden costs from Basecamp.
You walk away — no obligation, no cost, no hard feelings. The estimate and the whole review are free and non-binding. You’re never locked in until you choose to accept an offer and sign.
Yes. Many of our lending partners offer a rate review or refinance option after 6–12 months of on-time payments. Your specialist can help you explore better terms once you’ve built a payment history.
“I built this process because I watched too many business owners sit in a bank lobby for three weeks waiting for an answer they could’ve gotten in 48 hours. One application, 70+ lenders competing, and a specialist who handles everything — that’s how it should work. That’s how it works here.”
Bobby Friel
Founder, Basecamp Funding · 20+ years in banking and finance
