Your Journey
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.
Day 1 — under 2 minutes
Fill out a short form with your monthly revenue, time in business, and contact info. That's it. No documents. No tax returns. No business plan. You'll see an estimated qualification range immediately.
This is a soft credit pull — your score is not affected. No one contacts you until you're ready to move forward.
What you’ll see:
An estimated approval range based on your revenue and business profile.
Within 24 hours
A funding specialist is assigned to your file. This is your single point of contact throughout the entire process. They review your pre-qualification, analyze your business profile, and begin matching you with the right lenders from our 70+ partner network.
Your specialist doesn't sell you a product — they match you to the right product for your specific situation. A restaurant owner with seasonal revenue gets different lenders than a contractor waiting on receivables.
What you’ll see:
A confirmation that your file is assigned and your specialist's name.
24–48 hours after assignment
Your specialist submits your profile to the lenders best suited for your situation. Multiple lenders review your application simultaneously — not sequentially like a bank.
This is where the marketplace advantage kicks in. Instead of one bank giving you one offer on their timeline, multiple lenders compete to win your business. Competition drives better terms.
What you’ll see:
Your specialist presents your best options — rates, terms, fees, and total cost for each offer. Everything transparent. Nothing hidden.
You decide the timeline
Your specialist walks you through each offer in plain English. No jargon. No pressure. They explain what every number means — total repayment, payment frequency, fees, and any conditions.
You compare, ask questions, and choose the offer that fits your business best. If none of the offers work, you walk away with zero obligation. No cost. No hard feelings.
What you’ll see:
A clear comparison of your offers with your specialist available to answer every question.
Same day to 30 days depending on product
Once you choose an offer, your specialist handles the closing process. Documents are signed digitally. Funds wire directly to your business account.
Working capital and revenue-based products can fund same-day. Equipment financing typically funds in 3–14 days. SBA loans take 30–45 days. Capital stacks with multiple products close in 21–30 days.
What you’ll see:
Capital in your business account. Then your specialist checks in to make sure everything is working as expected.
The Marketplace Advantage
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.
Banks take 2–6 weeks for a decision. Our marketplace returns multiple competing offers in 24–48 hours — without sacrificing quality or terms.
Banks sell bank products. MCA companies sell MCAs. Your Basecamp specialist matches you to the right product for your situation — even if it's a product you've never heard of.
Applying to 5 banks means 5 hard credit pulls. Through Basecamp, one soft pull generates multiple competing offers. Your score stays untouched.
The lender pays Basecamp, not you. You get a funding specialist, competing offers, and expert guidance at zero cost.
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
| Product | Typical Timeline | Documents Needed |
|---|---|---|
| Working Capital | Same day – 3 days | 4 months bank statements |
| Business Line of Credit | 1–7 days | 4 months bank statements |
| Revenue-Based Financing | 1–3 days | 4 months bank statements |
| Merchant Cash Advance | 1–2 days | 4 months bank statements |
| Equipment Financing | 3–14 days | Bank statements + equipment quote |
| Invoice Factoring | 1–5 days | Outstanding invoices + bank statements |
| Term Loans | 3–14 days | Bank statements, P&L |
| SBA Loans | 30–60 days | Full financial package |
| Commercial Real Estate | 30–60 days | Full financial package |
| Business Acquisition | 30–45 days | Seller financials + buyer financials |
| Capital Stack ($1M+) | 21–30 days | Varies by products in stack |
Timelines are typical ranges. Your specific timeline depends on your business profile, product type, and documentation readiness. Prepared borrowers fund faster — see our Pre-Application Checklist for what to have ready.
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.
Soft credit pull. No documents upfront. See your estimated qualification range immediately.
See What You Pre-Qualify For →Your Advocate
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, respond to document requests from 5 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 closing to make sure everything is 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. The question is what it costs you to wait another week.
Common Questions
“I built this process because I watched too many business owners sit in a bank lobby for 3 weeks waiting for an answer they could have 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
Basecamp Funding - Founder
Soft credit pull. No documents. See what 70+ lenders will offer your business.
See What You Pre-Qualify For →
