Proof, Not Promises
We've Funded Working Capital Across Every Industry
$65K working capital for a GC who won a $400K municipal job but couldn't mobilize. Bank wanted 3 weeks. We funded in 3 days. He cleared $110K profit on the job.
Result: $65K funded → 3 days → $110K profit
$60K for a restaurant owner facing a brutal winter. Revenue drops 40% Nov-Feb but rent and staff don't stop. Funded in 2 days. That money kept her staff employed and doors open.
Result: $60K funded → 2 days → staff retained, doors open
$45K for a hotshot carrier. Brutal month: $22K fuel, $15K in repairs, tire blowout damaged trailer. Funded in 24 hours. Didn't miss a single load.
Result: $45K funded → 24 hours → zero loads missed
$75K LOC for an immigration attorney. Contingency cases take 14 months to settle. $180K in expected settlements but $0 in the bank today. Credit line keeps the firm running.
Result: $75K funded → firm stays operational
$150K for a metal fab shop. Landed $400K PO but needed raw materials. Bank said 3 weeks. Deadline was 2 weeks. PO financing funded $160K in 5 days.
Result: $160K funded → 5 days → $400K PO fulfilled
$40K for a shop owner. Two lifts failed inspection — close the bays or replace them. Working capital funded in 48 hours. No downtime, no lost revenue.
Result: $40K funded → 48 hours → zero downtime
“Applied on Monday, had $65K in my account by Wednesday. Used it to mobilize on a $400K city job. Cleared $110K profit. Best business decision I made all year.”
Carlos M.
General Contractor | Fort Worth, TX
Qualification Estimator
See What You Qualify For in 60 Seconds
Slide the calculator to see your estimated approval range. Then answer 3 quick questions. No documents. 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
Full Transparency
The Real Cost of Working Capital — No Surprises
Rates and terms depend on credit, revenue, time in business, and lender. Every business is unique — see what 70+ lenders will offer you in 60 seconds. Soft-pull pre-qual.
Want to run YOUR numbers?
Monthly payment, total cost, payoff timeline — calculated in 30 seconds. No signup.
Calculate Your Working Capital Cost →Side by Side
Basecamp vs Bank vs MCA
Bobby's take:
A bank gives you one answer from one lender. We give you the best answer from 70+ lenders competing for your business. MCAs are fast but brutal — you're paying 30-50 cents on every dollar. We're fast enough to matter and priced fairly enough to not destroy your margins. Even if a bank already said yes, you should see what 70+ lenders offer before you sign. Most business owners who compare save thousands.
Bobby Friel
Founder, Basecamp Funding
Need more than $1M in working capital? Our commercial team structures capital stacks across multiple lenders — optimized rates on every layer. One application.
Talk to a Commercial Specialist →Fear Removal
Every Objection Answered
How fast can I actually get the money?
Same day to 5 business days depending on the product. Revenue-based financing and MCAs fund fastest — often same day. Term loans and SBA products take 3-5 days for amounts under $250K. We'll tell you the timeline before you commit to anything.
What if I can't make the payments?
We match the payment structure to your cash flow. Revenue-based options flex with your income — slow month means lower payment. Fixed-term products are sized so the monthly payment is well within your revenue. If you're worried about affordability, that's exactly what the qualification call is for.
My bank offered me a line of credit already
Great — if it's enough and the terms work, use it. But most bank LOCs for small businesses cap at $25K-$50K with a 680+ credit requirement. If you need more, need it faster, or don't meet their credit threshold, that's where we come in. Many of our clients use both.
I got denied before
Banks deny 73% of small business applications. That doesn't mean you don't qualify — it means you applied to the wrong lender. We send your application to 70+ lenders simultaneously. Different lenders care about different things. Revenue matters more than credit score to most of our network.
Is the interest rate worth it?
Depends on what you're using it for. $65K at 15% costs $9,750 in interest. If that $65K lets you take a $400K contract and clear $110K profit — the math works. If you're borrowing to cover bad fundamentals, no interest rate makes that work. We'll be direct about whether it makes sense for your situation.
I only need money for a few months — is a long term worth it?
No — and we won't push you into one. Short-term working capital (3-12 months) exists specifically for temporary gaps. You'll pay more per month but less overall. Match the term to the need. Bridging a slow season? 6-month term. Funding a contract? Match the term to the project timeline.
Don’t Wait for Perfect Terms
Business opportunities don’t wait for ideal financing conditions. Many of our lending partners offer a rate review after 6-12 months of on-time payments — meaning your rate and terms can improve once you’ve built a payment history. Get funded now on terms that work. Optimize later once you’ve proven the relationship. Working capital loans are built for speed, not permanence. Use them to bridge the gap, then work with your specialist to refinance into longer-term, lower-cost options once your payment history is established.
Ask your funding specialist about rate review options after 6-12 months.
See What You Pre-Qualify For →Simple Process
How Working Capital Works
Tell us how much you need and what it's for
60-second application — no documents yet
70+ lenders review your profile (soft pull only)
Specialist calls with your best options — rates, terms, speed
Accept, sign, and get funded — as fast as same day
Right Fit?
Who Working Capital Is For — and Who It's Not For
Great Fit
Not the Right Product
Not sure which product fits? Try the qualification estimator — it recommends the right product based on your situation.
Full Transparency
What Kills Your Working Capital Application
You Likely Qualify If
Red Flags That Cause Denials
Industries
Industries We Fund Working Capital For
Pre-Qualify Now
Don't Wait Until Payroll Is Due to Find Out Your Options
Pre-qualifying takes 60 seconds and doesn't affect your credit. When cash gets tight, you want options ready — not a 6-week bank process.
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
FAQs
Working Capital FAQs
Working Capital for Small Business — $10K to $5M+, Same-Day Funding, 70+ Lenders
Cash flow problems don't send a calendar invite. A customer pays 60 days late, a piece of equipment breaks, payroll hits on Friday and your biggest invoice doesn't clear until the 15th. That's the same squeeze we fund every week for medical practices in Minnesota, manufacturers in Missouri, and trucking outfits in Oklahoma. Basecamp Funding connects you with 70+ lenders who specialize in fast business funding — same-day to 5 days, $10K to $5M+, no collateral required. Run the numbers on our loan cost calculator before you apply.
We fund working capital for every industry: construction contractors bridging mobilization costs — from general contractors to electricians and HVAC outfits; restaurants surviving slow seasons, including full-service kitchens, pizza and delivery shops, and cafés; trucking companies covering fuel and repairs — owner-operators, hotshot haulers, courier and last-mile fleets; attorneys funding case expenses (personal injury, family law, mass tort); auto shops covering parts floats — from independent shops and used-car service operations to fleet maintenance shops; manufacturers buying raw materials for big POs (CNC and machining, metal fabrication); med spas funding new programs like laser services and IV therapy; and wholesalers covering inventory cycles like food & beverage and consumer goods distribution. One 60-second application, soft-pull pre-qual, and a real specialist reviews your file within the hour. No obligation to accept any offer.
Working capital often funds equipment repairs, vehicle expenses, and property improvements. If you need commercial coverage for your business assets, our sister company InsuranceService365.com provides business insurance across 29 states.
The Only Risk Is Not Knowing What's Available to You
60 seconds. Soft-pull pre-qual. No obligation.
See What You Qualify For →Soft-pull pre-qual · Free to check · Nationwide