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 | Rate Range | Term | Best For | Credit Min |
|---|---|---|---|---|---|---|
| 💰Working Capital | $10K–$2M | Same day–48hr | 8–20% APR | 6mo–10yr | Payroll, cash flow gaps, emergencies | None |
| 🏦Business LOC | $10K–$5M | 1–5 days | 8–24% APR | Revolving | Ongoing expenses, seasonal bridges | None |
| 🔧Equipment Financing | $10K–$5M | 1–5 days | 5–15% APR | 6mo–10yr | Equipment purchase, Section 179 | None |
| 📊SBA Loans | $50K–$5M | 30–90 days | 6–10% APR | 5–25yr | Expansion, acquisition, real estate | 650+ helps |
| 📄Invoice Factoring | $10K–$10M | Same day | 1–5%/invoice | Per invoice | Slow-paying customers, retainage | None |
| 📈Revenue-Based | $10K–$1M | Same day–48hr | Varies | 3–18mo | Seasonal, fluctuating revenue | None |
| 💵Term Loans | $50K–$5M | 2–7 days | 7–18% APR | 6mo–10yr | One-time purchases, expansion | None |
| ⚡Merchant Cash Advance | $5K–$500K | Same day | 30–60%+ effective | 3–18mo | True emergencies only | None |
| 🏢Commercial Real Estate | $250K–$10M+ | 30–90 days | 6–9% APR | 5–25yr | Buy your building, stop renting | 650+ helps |
| 🏪Franchise Financing | $50K–$5M | 7–60 days | 7–12% APR | 5–25yr | Buy, build, or expand franchise | 650+ helps |
| 🤝Business Acquisition | $500K–$10M+ | 21–45 days | 7–10% APR | 5–25yr | Buy an existing business | 650+ helps |
| 📋PO Financing | $50K–$10M | 5–14 days | 5–7% fee | 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 – $10M+ · 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 acquisitions and 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. Honestly, 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
Buy an existing business with SBA-backed financing. 10% down. Seller transitions, you take over.
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.
Credit Score Doesn't Meet Bank Minimums
Banks want 680+. Our lenders approve businesses with scores in the 500s — because revenue matters more than a 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. No credit impact.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
No hard credit pull · 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. 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. 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 $10M+ with a dedicated specialist who manages the entire process.
— Bobby Friel, Basecamp Funding - Founder
The Only Risk Is Not Knowing What's Available to You
60 seconds. No credit impact. No obligation. One application, 12 products, 70+ lenders.
No hard credit pull · Free to check · Nationwide