Georgia · 70+ Lenders Compete

Business Loans in Georgia $250K to $20M+

Georgia moves the Southeast — the Port of Savannah is one of the fastest-growing in the country, and Atlanta's distribution and construction engine never slows. We work with Georgia operators every day to fund that growth: one application, real lenders, and $1M+ in as little as 48 hours when your file's ready.

See What You Qualify For

At a glance

One file, $800K

Equipment financing$400K
material handling and equipment on the books
Working capital$300K
payroll and inventory between invoices
Business line$100K
headroom for the unexpected
Funded together$800K

One application, the products that fit — stacked into the full number. A smaller stack runs the same playbook as a $5M one.

Soft-pullpre-qualNo impactto your creditLenderscompeteFundedas little as 48 hoursOneapplication

Georgia Market

Georgia is growing faster than almost any state. Your bank is still pricing it like it isn't.

A Savannah-area distributor scaling with the fastest-growing port in the country. An Atlanta contractor riding a construction boom with no end in sight. A healthcare group expanding across a metro that adds people every day. Georgia's growth is real and it's fast — and a bank still wants the slow, proven version of a business in a state that doesn't do slow anymore. The momentum is the opportunity; the bank's pace is the problem.

That's the gap we fill — 70+ lenders who underwrite Georgia revenue and cash flow first, and back the speed of one of the fastest-growing economies in the country.

Capital Stacking

How a Savannah Distributor Stacked to $4.0M — Facility, Fleet, and Float

A distribution company near the Port of Savannah scaled with the port's growth and outgrew its leased space. It needed to own a larger facility, expand its fleet and material handling, and carry the inventory and receivables of the new volume. One bank product would have funded the building alone. The stack funded the whole expansion.

Three products, three lenders, one application — the stack funds the whole growth curve, not a slice of it.

$4.0M funded — here’s the stack

Owner-occupied commercial mortgage$2.4M
buying a larger facility near the port
Equipment financing$1.1M
fleet and material-handling capacity
Working capital$500K
inventory and receivables on the new volume
Funded together$4.0M

Each layer underwritten by the lender that prices it best.

Real Results

Funded in Georgia

Real financing scenarios for Georgia businesses. Every number is based on actual transactions through our lender network.

Logistics & Distribution financing case study — Savannah, GA
Logistics & DistributionSavannah, GA

$3.3M for a third-party logistics operator scaling with the Port of Savannah — owner-occupied mortgage on a larger distribution facility plus a working-capital line to carry the payroll and fleet of a bigger operation. Funded once the file was ready.

$3.3M
funded
bigger facility
scaled with the port
Construction financing case study — Atlanta, GA
ConstructionAtlanta, GA

$2.8M for a commercial GC riding Atlanta's build boom — equipment financing for graders and loaders plus a working-capital line to bond and mobilize on jobs faster than the last one paid.

$2.8M
funded
equipment + bonding
bid bigger
Film & Production Services financing case study — Atlanta, GA
Film & Production ServicesAtlanta, GA

$1.9M for a production-services and equipment-rental company serving Georgia's film industry — equipment financing for camera, grip, and lighting packages plus a working-capital line to staff and stage between productions.

$1.9M
funded
expanded inventory
more productions served
Healthcare financing case study — Augusta, GA
HealthcareAugusta, GA

$1.7M revenue-based capital stack for a multi-site practice acquiring a retiring group — term loan against existing revenue, equipment financing, and transition working capital. Beat a larger buyer because the file moved faster (see /loans/business-acquisition).

$1.7M
funded
beat the larger buyer
~28 days
Food Processing financing case study — Gainesville, GA
Food ProcessingGainesville, GA

$2.2M for a poultry-processing operation scaling to meet demand — equipment financing for a new processing and packaging line plus working capital for raw-material inventory on growing orders.

$2.2M
funded
new line
meeting demand
Section 179 Tax Strategy financing case study — Macon, GA
Section 179 Tax StrategyMacon, GA

$1.4M in material-handling and warehouse equipment for a distribution operation, financed at 10% down ($140K). Section 179 generally lets equipment like this be written off the year it's placed in service — here, a $1.4M deduction, roughly $518K back at a 37% rate. Far more write-off than they put down, with cash preserved for operations. Your CPA confirms the specifics.

$1.4M
equipment
$140K
down
more write-off than the down payment

What an operator said

The port kept growing and our accounts grew with it, and suddenly we needed a bigger building, more trucks, and the cash to carry the inventory all at once. Our bank wanted to finance the building and wait on the rest. Basecamp put it all together fast enough that we scaled right along with the port.

— Owner, distribution company, Savannah GA

Get Started

See What Georgia Lenders Will Offer You

One application. Real lenders compete, and a dedicated specialist walks you through the best options for what you're building.

What Happens When You Start

Your funding range appears as you answer
Auto-advances as you go — no extra clicks
No hard inquiry — your credit stays untouched
A real specialist reviews your application — not an algorithm
No obligation — see your range and decide
Estimate
Revenue
History
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Estimate Your Capital Range

Slide to your annual gross revenue. We size capital off your top line — not your credit score.

$500K$10M$150M+

Estimated Capital Range

$1M$1.5M

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

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Industries We Fund

Top Industries in Georgia

The Georgia sectors our lenders fund most.

Funding by the Size of the Need

Capital Matched to Where You Are Right Now

One application, multiple lenders — and when your file's ready, $1M+ can fund in as little as 48 hours.

Tier 1

Growing Operators

Funding

$250K to $1M

Working capital, equipment financing, and business lines of credit — approved on revenue and cash flow, not a lien on your home.

Request a Financing Review →
Tier 2

Established Businesses

Funding

$1M to $5M

Capital stacked across multiple lenders — working capital, equipment financing, accounts-receivable lines, and unsecured business credit. Each piece priced by the specialist who underwrites it best, mapped by a dedicated commercial advisor.

Structure Your Capital Plan →
Tier 3

Commercial & Complex

Funding

$5M to $20M+

Business and practice acquisitions, fleet and heavy-equipment financing, asset-based and inventory lines, owner-occupied commercial real estate — multi-lender capital stacks to $20M+, structured to fund in days, not the months a bank takes.

See Your Capital Architecture →

Funding Products

One File. Every Way to Fund the Business.

Working capital, equipment, real estate, acquisitions, and structured debt — matched to the lenders who price each one best.

Working Capital

Unsecured working capital approved on revenue and cash flow — funded in days for payroll, inventory, and expansion.

Business Line of Credit

A revolving line of credit you draw from as needed — pay interest only on what you use.

Equipment Financing

Financing for machinery, vehicles, and heavy equipment — low down payment, funded in days.

Term Loans

Business term loans with predictable payments — built for expansion and major capital projects.

Accounts Receivable Financing

Accounts-receivable financing and invoice factoring — turn unpaid invoices into working capital fast.

Purchase Order Financing

Purchase-order financing to fulfill large orders — pay suppliers without tying up your cash.

Revenue-Based Financing

Revenue-based financing sized to your sales, with payments that move with your revenue.

Early Stage Growth Capital

Capital for operators 6+ months in — underwritten on four months of bank statements, not two years of tax returns.

Commercial Real Estate

Owner-occupied commercial real estate financing — purchase, refinance, and expansion.

Business Acquisition

Acquisition financing for business and practice purchases, partner buyouts, and expansions.

Franchise Financing

Franchise financing for new units and multi-unit growth — approved on revenue, not just credit.

Asset-Based Lending

Asset-based lending secured by receivables, inventory, and equipment — a borrowing base that grows as your business does.

Middle Market / Structured Debt

Middle-market and structured debt for buyouts, recapitalizations, and growth capital.

Underwriting

What Underwriting Looks At

Funding here leads with what your business actually does — your revenue and cash flow. The specialist desk reads the real picture from your statements, then matches it to the lenders most likely to fund it.

Revenue-first

sized off your top line, not just your balance sheet.

Cash-flow driven

your bank statements show how the business really runs.

Bank-statement underwriting

even a down year is read off 4 months of statements.

Story-driven

a big new contract, a seasonal swing, a turnaround in progress: context the raw numbers miss counts too.

Qualification

What It Takes to Qualify — at Every Size

What a lender needs scales with the size of the structure. A $250K working-capital line reads off a few months of bank statements; a $10M capital stack gets underwritten like the serious commercial credit it is. Here's the honest line at each level — and the desk will tell you straight where your file lands.

Growing

$250K–$1M

Established

$1M–$5M

Commercial

$5M–$20M+

Time in business

6+ months, steady revenue

2+ years preferred

Established track record

What you bring

4 months of bank statements

Statements + business financials

Financials, returns, use-of-funds

Drives approval

Revenue & cash flow

Cash flow + documented use

Debt-service coverage + cash flow

Credit

Ideally 600+

Ideally 600+

Ideally 600+

The story

A real contract or growth reason

A clear case for the capital

Holds up to an underwriter

Growing

$250K–$1M

Time in business

6+ months, steady revenue

What you bring

4 months of bank statements

Drives approval

Revenue & cash flow

Credit

Ideally 600+

The story

A real contract or growth reason

Established

$1M–$5M

Time in business

2+ years preferred

What you bring

Statements + business financials

Drives approval

Cash flow + documented use

Credit

Ideally 600+

The story

A clear case for the capital

Commercial

$5M–$20M+

Time in business

Established track record

What you bring

Financials, returns, use-of-funds

Drives approval

Debt-service coverage + cash flow

Credit

Ideally 600+

The story

Holds up to an underwriter

Time in business is a factor, not a gate — newer operators with strong revenue still qualify. What stalls a file at any size: sustained losses with no turnaround story, no clear use of funds, or undisclosed stacking — most of it fixable in a quarter, and the desk tells you straight which gaps to fix first.

FAQ

Georgia Business Loans — Questions

6+ months in business, a business checking account, and consistent monthly revenue. We pull a soft credit check that won't affect your score. Revenue and cash flow drive approval — your credit score is one factor, not the only one. Strong business performance matters most.

When the file's ready, working-capital and revenue-based products can fund $1M+ in as little as 48 hours. Equipment financing typically runs about one to two weeks. Commercial real estate runs longer — we do it, it's just not the 48-hour lane. The single biggest factor in speed is how ready your documentation is.

Yes — it's one of the markets we see most, given the Port of Savannah's growth and Atlanta's role as a distribution hub. Distribution and logistics carry real assets and revenue lenders underwrite well, and capital stacking fits the grow-the-facility-fleet-and-float pattern these operators run on. Equipment financing, working capital, and owner-occupied real estate stack into the full number.

No fixed minimum. Lenders evaluate the full business profile — monthly deposits, time in business, industry, and cash flow — over personal credit alone. Some products reach operators scoring as low as 500.

Every legal industry. Our strongest Georgia verticals include logistics and distribution, construction, film and production services, healthcare, food processing, restaurants, auto repair, wholesale, and attorneys — from Savannah distributors to Atlanta contractors.

We structure CRE financing from $500K to $20M+ — conventional commercial mortgages, bridge loans, and construction financing. Georgia's industrial, warehouse, and port-adjacent markets are especially active and lenders compete hard here.

A Georgia bank gives you one option — their own. You apply, wait weeks, and get a single answer. Through Basecamp, lenders compete for your business at the same time. One application, multiple offers, and a dedicated specialist who structures the capital stack that fits your situation.

From the Founder

Georgia Business Lending — From a Specialist Who Works With Georgia Operators Every Day

Georgia is one of the fastest-growing business economies in the country, and our team works with Georgia operators every day. From Savannah distributors scaling with the port to Atlanta contractors riding a construction boom, the pattern is the same: Georgia businesses grow fast, and they need capital that moves at the speed of the growth instead of pricing it like it isn't happening.

Here's what we see constantly — a distributor or contractor needs the facility, the equipment, and the working capital to scale into demand, all at once. The bank funds the building and waits on the rest, capping growth at the size of the last lease. Through Basecamp, real lenders compete through one application, and a dedicated specialist builds the full stack: an owner-occupied mortgage for the facility, equipment financing for the fleet and machines, working capital for the float. Three lenders, priced to fit, funded in a fraction of a bank's timeline.

If you're looking at commercial financing in Georgia, the distribution corridors around Savannah's port and metro Atlanta are among the fastest-growing in the country — demand high, transactions moving fast. For distribution and construction operators, capital stacking is how you fund facility, equipment, and float together without draining reserves. Run your numbers through our commercial funding calculator before you commit.

Georgia commercial lending runs at scale. We structure transactions across the state's major markets — Atlanta, Savannah, Augusta, Columbus, and the fast-growing metro corridors — where logistics, construction, and film create one of the deepest commercial financing pipelines in the Southeast.

Bobby Friel, Basecamp Funding Founder

Bobby Friel

Founder · 20+ years in banking and finance

Bobby Friel, Founder of Basecamp Funding

One Last Question

Georgia Businesses Don’t Wait. Neither Should Your Financing.

One application. 70+ lenders compete. Your dedicated specialist presents your best options.

See What You Qualify For

Soft-pull pre-qual · No obligation · 60 seconds