Sound Familiar?
The Revenue Is There. The Only Capital on Offer Costs You the Company.
Right now your ARR is climbing, your retention’s strong, and the roadmap moves only as fast as cash lets you hire. The bank looks at your P&L, sees you spending to grow, and calls it “unprofitable.” The VC will write the check — for fifteen points and a board seat. And the data-center capacity or the acquisition that would put you a full year ahead sits there, waiting on capital that either dilutes you or doesn’t understand you.
If your recurring revenue could fund the next stage instead of your cap table — how much of the company would you still own at the finish line?
Bobby’s Take
I talk to founders every week giving up equity for capital their revenue could already support — overpaying for money, basically, because the bank says no and the VC says “sure, for a piece.” That’s not a growth problem; it’s a financing problem, and it’s fixable. One file reaches the lenders who underwrite ARR and MRR and the hard infrastructure too, structures the growth capital, the data center, and the acquisition together, and brings it back in days. You keep building; we handle the capital. So picture the next stage funded on the revenue you already have — how much more of this company do you walk away owning?
Bobby Friel, Founder, Basecamp Funding · 20+ years in banking and finance
The Real Problems
The Real Problems in Your Pipeline — and What Solves Each One
| What it costs you | What solves it | Typical range | Speed | |
|---|---|---|---|---|
| Hiring ahead of revenue | Growth needs the team now; revenue follows in quarters. | Revenue-based financing or working capital | $250K–$5M | Days |
| The bank calls you “unprofitable” | Spending to grow reads as risk to a lender who wants a clean P&L. | Recurring-revenue underwriting | $250K–$5M | Days |
| Equity is the only capital offered | Every growth dollar costs ownership and a board seat. | Non-dilutive growth capital | $250K–$5M | Days |
| Data-center / IT capacity | Servers, GPUs, networking tie up cash or wait on a raise. | Equipment financing (asset-secured) | $250K–$5M | Days |
| Enterprise net-60/90 invoices | Signed enterprise contracts, cash months out. | A/R financing | $250K–$5M | 1–2 days |
| Acquiring a competitor or MSP | A roll-up or tuck-in needs capital faster than a raise. | Acquisition financing / stack | $250K–$20M+ | Weeks |
| Runway to the next raise | A down round destroys more value than a bridge ever costs. | Term loan or line of credit | $250K–$5M | Days |
Larger lines available when revenue, cash flow, and story qualify.
Commercial insurance for your operation → InsuranceService365.com (29 states).
The Numbers That Matter
Recurring Revenue, Funded the Hard Way
18–20%
of the company a typical priced equity round costs the founders.
Carta, 2025
Net-30/90
payment terms increasingly standard on enterprise software, tying up cash long after the contract is signed.
B2B SaaS payment benchmarks, 2026
$1T+
surge in data-center capital spending as AI demand drives buildouts worldwide.
Dell'Oro Group, 2026
Capital Stacking
One File. The Whole Stage Funded.
Most scaling tech companies need more than one thing at once — growth capital to hire, infrastructure to serve the load, sometimes an acquisition to take the market. A bank prices the whole loan at the riskiest layer it sees: your “unprofitable” P&L. A VC prices it in equity. A marketplace structures each piece with the lender who underwrites it best — revenue-based for the growth, asset-secured for the infrastructure — then stacks them into the number you actually need.
Funded into the full number — without a board seat or a banker who doesn’t get your model.
How an $8M data-center buildout gets funded
Need more than equipment alone? The remainder stacks — for the full structure, see commercial financing.
Companies We’ve Funded
Technology Companies We’ve Funded
Representative scenarios — illustrative, anonymized figures, not specific client transactions.
Start Here
Find Your Structure in 60 Seconds
Move the slider for your estimated range, then answer three quick questions to lock it in. No documents to start. Soft-pull review — no score impact.
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
What an operator hears every week
“If your recurring revenue could fund the next stage, giving up equity to do it isn’t raising capital — it’s overpaying for it.”
Bobby Friel · Founder, Basecamp Funding
Why Us
Why Tech Companies Fund With Us Instead of a Bank or a Raise
The Real Cost
Where Could the Company Be Right Now?
It never shows up on a term sheet — but every week the capital isn’t in place, it compounds. If capital moved at the speed of the opportunity — and cost you none of the company — where is this a year from now?
Structure Your Capital Plan →Tax Strategy
Section 179 + 100% Bonus Depreciation on Your Infrastructure
If last year was strong and you’re about to write a check to the IRS — stop. Acquire qualifying equipment with as little as 10% down, finance the rest, and write off the full purchase price in year one. Section 179 covers it up to the annual cap; 100% bonus depreciation — made permanent in 2025, with no cap and no income limit — carries the rest.
At the top bracket, a first-year deduction that size can produce tax savings that exceed the total interest cost of financing the equipment — and several times the cash you put down. For an established business with strong cash flow, that’s the difference between funding the IRS and funding your own growth. Your CPA models the exact numbers for your bracket and structure.
Worked scenario · top bracket · illustrative
You put down $150K. The first-year write-off can return more than three times that in tax savings — and you keep the equipment.
Scales with your numbers
Illustrative only. Actual savings depend on your tax bracket, entity type, state conformity, and CPA guidance. Section 179 and bonus depreciation are elections your CPA makes for your situation; above the Section 179 cap, 100% bonus depreciation carries the balance.
Terms reflect credit, revenue, time in business, and each lender. Every file is unique — see what the desk structures for yours in the 60-second qualifier.
Bobby’s Take
“If you’re paying cash for infrastructure over $50K, you’re doing it the hard way. Finance it, deduct it year one, and keep the cash working in growth.”
Bobby Friel · Founder
Avoid These
5 Funding Mistakes That Cost Tech Companies the Most
Equity is the most expensive money there is — you pay for it forever. If recurring revenue can carry the debt, dilution is overpaying.
A signed enterprise contract is cash you’ve earned and can’t deploy. A/R financing releases most of it in a day for a modest fee.
A working-capital product on a multi-year asset costs far more than equipment financing built for it — and forfeits the Section 179 advantage.
A down round re-prices the whole cap table. A 12-month bridge usually costs a fraction of what the markdown destroys.
Half-funding a market window means you fund the competitor’s win. Fund the full push.
Put It to Work
Use Your Capital For
01Hiring ahead of revenueSee howLess“What would you ship if you could hire the team two quarters before the revenue lands?”
Revenue-based capital for headcount on the strength of ARR/MRR.
Structure this02Data center & infrastructureSee howLess“What capacity would you add if it didn’t have to wait on a raise?”
Equipment financing for servers, GPUs, networking; asset-secured, Section 179 year one.
Structure this03Sales & marketing / CACSee howLess“How fast could you grow if the growth budget weren’t capped by last quarter’s cash?”
Working capital for customer acquisition without touching the cap table.
Structure this04Enterprise receivablesSee howLess“How much cash is sitting in signed net-90 enterprise contracts right now?”
A/R financing that advances most of it the same week.
Structure this05Acquisitions & tuck-insSee howLess“What competitor, book, or MSP would you acquire if capital weren’t a raise away?”
Acquisition financing structured on combined recurring revenue.
Structure this06Runway & bridgeSee howLess“What’s a down round costing you that a 12-month bridge would prevent?”
A term loan or line to bridge to a stronger raise.
Structure this07Product & R&DSee howLess“What ships first if the engineering team were funded today instead of next quarter?”
Growth capital for the build, funded on existing revenue.
Structure this08Non-dilutive growthSee howLess“How much of the company would you keep if the next stage were funded on revenue instead of equity?”
Revenue-based financing; you keep ownership and control.
Structure this09Equipment & refreshSee howLess“What’s the aging infrastructure costing you in downtime and lost deals?”
Equipment financing for the refresh, asset-secured.
Structure this10Working capital / burnSee howLess“When a big contract slips a quarter, what covers burn in the meantime?”
A line of credit so a timing gap doesn’t become a layoff.
Structure this11Market expansionSee howLess“What market would you enter if entry were funded before the revenue proves it?”
Working capital or a term loan for the expansion.
Structure this12Debt consolidationSee howLess“What would your runway look like if the high-cost advances and venture debt were one payment?”
Consolidate now; once payment history is built, the lender’s rate-review can improve terms — get funded now, optimize later.
Structure thisFunding by the Size of the Need
Funded at Every Stage
One application, multiple lenders — and a prepared file funds in days, whether the need is $250K or $20M+.
How It Works
From Qualifier to Funded in Five Steps
No paperwork avalanche. No bank lobby. No guessing.
Qualify
A few questions about the business, right here. No documents to start.
Application
A soft credit pull and a quick document review to pre-underwrite the file.
Matched to the Right Lenders
The specialist lenders who fund your business - the right lender on each piece.
One Advisor, Real Term Sheets
Your advisor brings back real term sheets, not estimates, and walks the structure.
Structured & Funded
Accept the structure that fits, sign digitally - funded in days, not months.
For the application, have ready
Under two years in business, or the returns show a loss? We can structure on bank statements alone.
Full Transparency
What Kills Your Qualification — and What Doesn’t
Most lenders won’t tell you this up front. We will.
By Sector
Funding by Technology Sector
Every sector — tailored options.
Recurring-revenue underwriting, or asset-secured infrastructure — funded around how the model actually makes money.
Recommended Products
The Products Technology Companies Fund With
Matched to how the model makes money — and stacked into the full number when one isn’t enough.
Revenue-Based Financing
Grow on ARR/MRR, repay as a share of revenue.
Working Capital
Hiring, CAC, and burn ahead of revenue.
Business Line of Credit
Draw for the growth push, repay as revenue lands.
Equipment Financing
Servers, GPUs, networking, and IT infrastructure.
Business Acquisition
Acquire a competitor, a book, or an MSP.
Term Loans
A bridge to the next raise, or one lump sum for expansion.
FAQs
Technology Financing — Questions Operators Ask
Recurring revenue (ARR/MRR), retention, and time in business are the primary drivers. Profitability isn’t required — many lenders here use revenue-first underwriting, so a company spending to grow can still qualify on the strength of its revenue.
Yes. Spending to grow is the model, not a disqualifier. Strong recurring revenue and retention carry the file where a bank’s profit test would fail it.
Equipment financing for servers, GPUs, and networking runs $250K–$5M, asset-secured — typically lower cost and longer terms than unsecured products, with Section 179 available.
Yes. A/R financing advances most of an enterprise invoice within a day or two, so a contract you’ve signed funds the work now instead of in a quarter.
It’s structured around your revenue and need rather than tied to a recent equity round, and it doesn’t come with warrants or board involvement. The goal is capital without dilution.
Yes. Acquisition financing is structured on the combined recurring revenue of the businesses, funded in weeks rather than a raise cycle.
Often, yes. A 12-month term-loan bridge can cost a fraction of what a down round destroys across the whole cap table — but your situation is unique; the desk structures what fits.
No. A soft-pull review has zero impact on your FICO. A hard pull only happens if you choose to move forward with a specific lender’s offer.
The Operator’s Guide
Technology Financing, the Way the Model Actually Makes Money
Why banks misread technology
Here’s what banks don’t understand about technology: your value isn’t on the balance sheet. It’s in recurring revenue, in retention, in a contract book that renews. A bank wants hard assets and a clean profit line; you have neither by design, because you’re spending to grow. The lenders here underwrite the revenue and the retention — and the infrastructure, when there is some, as the asset it is.
Every week I talk to founders giving up equity for capital their revenue could already carry. Equity is the most expensive money there is — you pay for it forever. If the recurring revenue supports the debt, dilution is overpaying. That’s a financing problem, and it’s fixable with one application and the right structure.
Every sector, funded around the revenue
SaaS and software, data centers, IT services and MSPs, AI and ML, cybersecurity, fintech, cloud, hardware, e-commerce platforms, health tech, dev tools, telecom — every sector, funded around how the model actually makes money. Revenue-based financing on ARR and MRR. Equipment financing for servers and GPUs, asset-secured and Section 179 deductible. A/R financing that advances enterprise invoices the same week. Acquisition financing on combined recurring revenue. The capital matched to the stage, then stacked into the full number.
If you’re staring at a growth push you can’t fund without a raise, if the data-center capacity is a quarter away, if a down round is looming and a bridge would prevent it — start the review. A few minutes, soft-pull, no score impact. Most operators hear back within hours.
