Compare Products
Not Sure Which Product? Start Here
Side-by-side comparison of all 12 funding products. Rates, terms, speed, and who each one is built for.
| Product | Amount | Speed | Typical Structure | Term | Best For | Credit Min |
|---|---|---|---|---|---|---|
| 💰Working Capital | $10K–$2M | Same day–48hr | Often unsecured, daily/weekly ACH | 6mo–10yr | Payroll, cash flow gaps, emergencies | None |
| 🏦Business LOC | $10K–$10M | 1–5 days | May require PG, revolving credit | Revolving | Ongoing expenses, seasonal bridges | None |
| 🔧Equipment Financing | $10K–$10M | 1–5 days | Equipment serves as collateral | 6mo–10yr | Equipment purchase, Section 179 | None |
| 📊SBA Loans | $50K–$5M | 30–90 days | PG required, longer terms | 5–25yr | Expansion, acquisition, real estate | 650+ helps |
| 📄Invoice Factoring | $10K–$10M | Same day | Invoices secure the line | Per invoice | Slow-paying customers, retainage | None |
| 📈Revenue-Based | $10K–$1M | Same day–48hr | Tied to revenue, flexible payments | 3–18mo | Seasonal, fluctuating revenue | None |
| 💵Term Loans | $50K–$5M | 2–7 days | Varies by amount and lender | 6mo–10yr | One-time purchases, expansion | None |
| ⚡Merchant Cash Advance | $5K–$500K | Same day | Future receivables, daily ACH | 3–18mo | True emergencies only | None |
| 🏢Commercial Real Estate | $250K–$20M+ | 30–90 days | Property serves as collateral | 5–25yr | Buy your building, stop renting | 650+ helps |
| 🏪Franchise Financing | $50K–$5M | 7–60 days | Often blanket lien, varies by brand | 5–25yr | Buy, build, or expand franchise | 650+ helps |
| 🤝Business Acquisition | $500K–$20M+ | 21–45 days | Revenue-based capital stack, PG required | 5–25yr | Acquire via stacked term loan + equipment + working capital | 650+ helps |
| 📋PO Financing | $50K–$10M | 5–14 days | PO and inventory secure the advance | Per order | Fund orders before fulfillment | None |
Don't overthink it. Fill out one 60-second application and your specialist recommends the right product — or combination of products — for your situation.
See What You Qualify For →When You Need More Than One Product
Most business owners think they need one loan. Often they need two or three — each optimized for a different purpose. That's capital stacking.
A $2M expansion might be: $1.2M SBA loan for the building + $500K equipment financing for machinery + $300K working capital for the transition. Three products, three lenders, each at their best rate. One application through Basecamp.
Need $1M+? Our commercial team structures capital stacks across 70+ lenders.
$1M – $20M+ · Dedicated commercial specialist
All Loan Products
12 Funding Products. Find Your Fit.
From same-day working capital to 25-year SBA loans — every product, every scenario, from 70+ lending partners.
Working Capital
Flexible cash to cover operations, payroll, and growth. No restrictions on use. Fund same day.
Business Line of Credit
Draw funds as needed. Only pay interest on what you use. Revolving credit that refills.
Equipment Financing
Finance or lease equipment with the asset as collateral. Section 179 tax deductions available.
SBA Loans
Government-backed loans with the lowest rates and longest terms. 10% down for SBA 504 owner-occupied commercial real estate.
Invoice Factoring
Get paid today on invoices due in 30–90 days. Your customers' credit matters, not yours.
Revenue-Based Financing
Repayments flex with your daily or weekly revenue. Great for seasonal and fluctuating businesses.
Term Loans
Lump sum with fixed monthly payments over 6 months–10 years. Predictable, structured repayment.
Merchant Cash Advance
Advance on future card sales. Fast funding, flexible repayment. Realistically, use this for emergencies only.
Commercial Real Estate
Finance property purchases, renovations, or refinancing. SBA 504 available with 10% down.
Franchise Financing
Funding built for franchise acquisitions and expansions. Franchise-specific SBA lenders in our network.
Business Acquisition
Acquire a competitor or buy a practice via revenue-based capital stacking — term loan against revenue + equipment financing + working capital. Closes in 21-30 days.
Purchase Order Financing
Fund large orders before you fulfill them. PO is the collateral. 70+ lenders compete.
Why Us
Banks Say No for Reasons That Have Nothing to Do with Your Business
You're profitable, growing, and making payroll. But one checkbox fails and the bank walks. Here's what brings people to us.
Banks Said No — Lenders Say Yes
Banks want 680+. Our lenders use revenue-first underwriting — because business performance matters more than a three-digit number.
Less Than 2 Years in Business
Banks want history you don't have yet. We need 6 months and $10K/month in deposits. That's it.
Losses on Tax Returns
You reinvested in equipment and growth — smart move. Banks see a loss. Our lenders see real-time bank deposits and a growing business.
'High Risk' Industry Label
Banks slap labels on entire industries. Our 70+ lending partners specialize in construction, trucking, restaurants, healthcare, and more.
Already Leveraged at the Bank
Existing debt doesn't disqualify you. We stack and consolidate responsibly — and often improve your total cost of capital.
You Need Speed the Bank Can't Deliver
Banks take 60–90 days. You need funding this week. We fund same day — your timeline is our priority.
Is This for You?
Who This Is Built For (And Who It's Not)
Full transparency. Here's who qualifies and who should look elsewhere.
✅ This Is Built For You If…
This Probably Isn't the Right Fit If…
See What You Qualify For
See What You Qualify For in 60 Seconds
Slide the calculator to see your estimated approval range. Then answer 3 quick questions to lock it in. No documents needed. Soft-pull pre-qual.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
Soft-pull pre-qual · No obligation · Estimate only
FAQ
Frequently Asked Questions
Business Loan Products — Compare 12 Funding Options from 70+ Lenders
I built Basecamp Funding because I got tired of watching good business owners get one answer from one bank. You walk in, wait 60 days, and get told no — or get offered half of what you need. We watch the same script play out for shop owners in Alabama, contractors across Kentucky, and farm operators throughout Oregon. Through us, 12 products from 70+ lenders compete for your business through one application. Working capital that funds same day. Equipment financing where the machine is your collateral. SBA loans with rates banks can't touch.
And here's what most people don't know: you don't have to pick one product. A manufacturer expanding into a new facility might need an SBA 504 for the building, an equipment line for the CNC machines, and working capital for the transition. That's three products, three lenders, each optimized — what we call capital stacking. One application handles the entire structure. The same playbook scales across operators we fund every week: independent auto shops stacking equipment + working capital, QSR operators and fast-casual chains opening second locations, primary care and pediatrics groups acquiring panels, personal injury and criminal defense firms staffing up, janitorial supply and chemical distributors stocking up for big POs, box truck and last-mile fleets bridging contract cycles, and skin rejuvenation and IV therapy clinics adding new programs. Run your numbers on our loan cost calculator to see what the real payments look like.
Need more than $1M? Our commercial team structures capital stacks up to $20M+ with a dedicated specialist who manages the entire process.
Bobby Friel
Founder, Basecamp Funding
The Only Risk Is Not Knowing What's Available to You
60 seconds. Soft-pull pre-qual. No obligation. One application, 12 products, 70+ lenders.
Soft-pull pre-qual · Free to check · Nationwide