The Real Problem
The Order Came In. Now Six Lenders Have to Say Yes Before the Window Closes.
Picture the PO that finally puts you at full capacity — and the equipment that takes revenue up 35% once it's running. Then picture funding it the way the bank makes you: six lenders, one at a time, each its own application, each its own month of waiting. One comes back no. One comes back yes — for less than you need. The order has a clock, the equipment has a lead time, and instead of running your company you're babysitting paperwork while the window closes. Time, opportunity, effort — bleeding out into an underwriting queue.
How much further down the road would your company already be if landing the capital didn't pull you off the floor to chase six approvals?
Bobby’s Take
That's the whole reason a marketplace exists. One file — the desk reads your business once, puts the line, the equipment, and the working capital each with the lender who underwrites it best, and brings the whole structure back in days. You stay on the order. We handle the paperwork.
So picture the next big one landing with the capital already built to meet it — how much further does your company go in a year when financing stops being the thing that slows you down?
Bobby Friel · Founder, Basecamp Funding · 20+ years in banking and finance
How We Underwrite
We Read Your Business, Not Just Your Collateral
Banks lead with collateral and credit, and stop at the first thing that fails. A marketplace desk reads the whole file. Here’s what an underwriter actually weighs — and why it funds operators a bank turns away.
Click any factor to see how an underwriter actually reads it
Revenue
The desk starts at the top line — what the business actually brings in — because consistent revenue is the clearest proof it can carry a payment, whatever the balance sheet says. A bank asks “what can we seize if this fails”; the desk asks “what does this business reliably bring in, and will that service the structure.” Steady or growing deposits are the strongest signal the money comes back.
Cash flow / bank statements
The underwriter reads four months of business statements line by line — average balances, deposit frequency, low or negative days, how cash moves. This is where a reinvestment year that shows a loss on the tax return reveals itself as a healthy, cash-generating business. Statements are harder to dress up than a return, which is why the desk leans on them.
Time in business
A bank wants two years of profitable returns; the desk wants enough operating history to see a pattern — often a handful of months of consistent deposits. The question isn't “have you been perfect for two years,” it's “has this run long enough to prove the revenue is real and repeatable.”
Credit
To a bank, the score is a gate: below the line, the file dies. To the desk it's a pricing input — it sets the rate, but strong revenue and clean statements can carry a file a thin or dinged score would sink elsewhere.
Industry
Banks run blanket risk models that quietly redline whole categories — trucking, construction, restaurants, anything flagged “high-risk” on a chart. The marketplace covers lenders who underwrite those industries on their actual numbers, not the label.
Story
Numbers without context get misread. The desk wants the why behind them — why last quarter dipped, why the return shows a loss, why a big deposit landed when it did. The context a bank's checklist throws away is often what turns a borderline file into an approval.
That’s the engine behind every product in the directory below — and why one file can reach the right one.
The Directory
Start With What You’re Trying to Do
Eleven products, grouped by the move you’re making. Pick the situation — the desk routes you to the fit and structures it.
01Cover a gap, keep cash flowing
Working capital
Make payroll through a slow month
Cover the cash-flow gap so a soft stretch doesn't stall the business.
ExploreBusiness line of credit
Draw what you need, when you need it
A revolving line you tap for the season and pay down when it slows.
ExploreRevenue-based financing
Get funded on what you bring in
Underwritten on your revenue, into a real structure — not a daily-debit advance.
ExploreMerchant cash advance
Bridge a crunch this week
Fast cash against future receivables when the timing can't wait.
Explore02Add capacity, fund growth
03Get paid on what you're owed
04Buy, build, or expand
Owner-occupied CRE
Own the building you run from
Stop paying rent and build equity in the walls you operate in.
ExploreBusiness acquisition
Buy the business, stacked to the full number
A stack — term loan, equipment, working capital — built around the acquisition.
ExploreFranchise financing
Open the next unit on the ones you run
Expand on the revenue your existing units already throw off.
ExploreCapital Stacking
How We Fund $250K–$20M+ — One File, Stacked
Very few lenders write a check that large, so the desk doesn't ask one to. The number breaks into pieces — equipment, working capital, receivables, real estate — and each goes to the lender that underwrites it best, stacked into one structure a specialist runs end to end.
The bank sees a shortfall and passes. The desk sees the next layer.
How a $7M equipment need gets funded
Stacks to $20M+ — for the full structure, see commercial financing.
Start Here
See What One File Qualifies You For — Across All Eleven Products
Slide to your revenue, tell us what the capital’s for, and an advisor reads your file. Soft-pull review only — no documents required yet, FICO untouched. You get real term sheets from real lenders, not a generic range.
Soft-pull review · 4 months bank statements · Real term sheets, not estimates
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 Real Cost
What Did the Last One Cost You?
Funding the business one slice at a time doesn’t just cost time — it costs the moves you couldn’t make while your file sat in someone’s queue. Every quarter you piece it together is a quarter the operator who structured it all at once spent pulling ahead of you.
Structure Your Capital Plan →Funding by the Size of the Need
Capital Matched to Where You Are Right Now
One application, multiple lenders — and a prepared file funds in days, whether the need is $250K or $20M.
Industries We Serve
Funding Built for Your Industry
We fund the way your industry runs — the contract cycle, the equipment, the receivables, the cash flow.
Construction
Contractor mobilization funding, heavy equipment financing, and working capital for progress-billing gaps.
Manufacturing
Industrial machinery and equipment financing, capex lines, and inventory funding.
Trucking
Commercial fleet financing, equipment loans, and freight-cycle working capital.
Logistics
Logistics fleet acquisition, warehouse and distribution financing, and supply-chain working capital.
Healthcare
Medical and dental practice acquisition financing, equipment leasing, and expansion capital.
Technology
Growth capital for SaaS and MSPs, plus data-center and IT equipment financing.
Wholesale
Inventory financing, purchase-order funding, and accounts-receivable lines for distributors.
Attorneys
Law-firm case-cost financing, partner buyout funding, and working capital lines.
Restaurants
Restaurant equipment financing, build-out funding, and multi-unit acquisition capital.
The Operator's Guide
Commercial Business Loans, One File at a Time
Why one file beats eleven applications
Most operators at this level need more than one thing — a line, the equipment, the building, the working capital to run it. Apply for them one at a time and each bank evaluates its slice in isolation, takes 60 to 90 days, and approves part while declining the rest. A marketplace works the opposite way: one application reaches 70+ lenders across eleven products, a specialist reads the whole business, and each piece goes to the lender who underwrites it best. You stop being the integrator of a dozen separate decisions, because the desk structures all of it at once.
What capital stacking actually is
Very few lenders write a check past a few million, so the desk doesn't ask one to. A $7M equipment need becomes $5M of equipment financing against the appraised value plus a $2M working-capital line stacked on top — the exact $2M shortfall a single bank would have passed on. The same architecture scales to $20M+ across more pieces: senior debt, owner-occupied real estate, receivables, working capital, each priced by the specialist who knows it best. You carry the right cost on every layer instead of one blended rate on a compromise.
Operators reach the directory from every corner of the map — shop owners in Alabama, contractors across Kentucky, and farm operators throughout Oregon — and the file works the same way for each: one application, read by a desk that puts every piece with the lender who underwrites it best. Working capital that funds in days, equipment financing where the asset is the collateral, and term loans structured for the long haul.
And you don’t have to pick one product. A manufacturer expanding into a new facility might stack owner-occupied real estate financing for the building, an equipment line for the CNC machines, and working capital for the transition — three products, three lenders, one structure. The same playbook scales across the operators the desk funds every week: independent auto shops stacking equipment and 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 for large POs, box-truck and last-mile fleets bridging contract cycles, and skin rejuvenation and IV therapy clinics adding programs. Run the numbers on the loan cost calculator.
Need more than $1M? The commercial desk structures capital stacks to $20M+ with a dedicated specialist who runs the whole process.
Bobby Friel · Founder, Basecamp Funding · 20+ years in banking and finance
Full Transparency
What Kills Your Qualification (And What Doesn't)
You've probably heard no for reasons that have nothing to do with whether the business can carry capital. Here's what actually moves a file — and the short list that genuinely stops one.
FAQs
Commercial Business Loans — Questions Operators Ask
A bank runs your file through one credit box and funds the slice that fits it. One file here reaches 70+ lenders across eleven products; a specialist puts each piece with the lender who underwrites it best and stacks them into the full number — funded in days, not the bank's 60 to 90.
You don't have to. Tell the desk what the capital's for; an advisor reads your business and recommends the right product — or stacks several — based on what your revenue and the structure support.
From a $250K line to a $20M+ stacked structure, depending on your revenue, the products, and the need. Single products run to their own caps; stacking across products reaches $20M+.
A soft-pull review only to start — your FICO stays untouched. Credit prices the rate here; it doesn't gate the file.
A signed application and four months of business bank statements to start. Larger structures add a P&L, balance sheet, and tax returns; the advisor tells you what your structure needs.
Days for most files — fast enough to beat a deadline the bank's 60-to-90-day queue would blow. Clean, well-documented files move fastest.
