Maryland Market
Maryland has a unique economy driven by proximity to Washington DC. Over 300,000 federal contractors operate in the state, serving the Pentagon, NIH, NSA, and dozens of federal agencies. The I-270 biotech corridor from Rockville to Frederick is one of the densest concentrations of pharmaceutical and life sciences companies in America — anchored by NIH and supporting hundreds of research companies.
Baltimore is a separate economy with its own identity. Johns Hopkins (hospital + university) is one of the largest employers in Maryland and drives healthcare, biotech, and research. The Port of Baltimore is a major East Coast freight hub. Maryland's Eastern Shore is agriculture and tourism. Annapolis is state government and Naval Academy.
But Maryland is expensive. Commercial rents in Montgomery County rival Boston. Labor costs are high. Federal contracting is lucrative but comes with long payment terms and complex compliance. Maryland businesses that thrive are the ones accessing capital strategically — not waiting 90 days for a bank to process a loan against a federal contract that's already in play.
Real Results
Real financing scenarios for Maryland businesses. Every number is based on actual transactions through our lender network.
$4.8M acquisition of a 28,000 sq ft medical office building in Bethesda. NIH-adjacent location with biotech tenant on 10-year lease. Capital stack: $3.2M SBA 504, $1.1M conventional, $500K buildout. DSCR: 1.52x.
$4.8M capital stack → NIH corridor → 22 days
$2.8M capital stack for a biotech contract manufacturer expanding production capacity for a pharmaceutical client. $1.8M equipment, $700K facility expansion, $300K working capital.
$2.8M capital stack → biotech contract → 3 products
$2.1M to acquire a multi-specialty medical practice in Montgomery County. 12 providers, $4.2M annual revenue. SBA 7(a) with 10% down. Federal worker patient base.
$2.1M funded → 10% down → Montgomery County practice
$1.4M line of credit for a commercial contractor working on Naval Academy campus renovation and state government buildings. Multi-job payroll bridging and mobilization capital.
$1.4M LOC → government contracts → 3 sites
$2.4M fleet expansion for a container drayage company serving the Port of Baltimore. 9 trucks + chassis. Equipment financing at 10% down.
$2.4M funded → 10% down → port-ready fleet
$1.1M in laboratory equipment for a federal contractor research company. 10% down ($110K). Section 179 deducted $1.1M. Tax savings: $407K at 37%.
$1.1M equipment → $110K down → $407K tax savings
“Federal contracts pay on net-60 and net-90. I had $2.1M in receivables and still couldn't make payroll because the contracts weren't due yet. Basecamp structured a line of credit against the contracts in 8 days. Our team is working every day because of it.”
— Federal contractor, Rockville MD
Get Started
One application — 60 seconds. 70+ lenders compete. Your dedicated specialist presents your best options.
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
Industries We Fund
IT, defense, research. 300,000+ contractors serving Pentagon, NIH, NSA, and federal agencies.
🧬I-270 corridor from Rockville to Frederick. NIH ecosystem. Hundreds of research companies.
🦷Johns Hopkins, MedStar, University of Maryland Medical System. Practice acquisitions and equipment.
🏗️DC metro infrastructure, biotech buildouts, federal facility renovation.
🏭Biotech supply, defense manufacturing, food processing.
🍽️DC metro food scene. Baltimore's restaurant renaissance. Montgomery County dining.
🚛Port of Baltimore drayage. I-95 corridor freight. DC metro logistics.
⚖️Baltimore, Rockville, Bethesda. Federal law, healthcare law, government contracting.
📦Port of Baltimore imports, food distribution, pharma supply chain.
Market Data
| Metro | 2025 CRE Lending Vol | Hottest Sector | Avg Transaction | Vacancy Trend |
|---|---|---|---|---|
| Montgomery County | $1.8B | Biotech lab/medical | $3.8M | Low |
| Baltimore Metro | $1.6B | Port industrial/multifamily | $2.8M | Stable |
| Prince George's County | $850M | Warehouse/medical | $2.0M | Stable |
| Howard County | $480M | Tech office/medical | $2.4M | Stable |
| Eastern Shore | $280M | Hospitality/agriculture | $1.2M | Seasonal |
Maryland's CRE market is driven by the I-270 biotech corridor and Baltimore's port economy. If you're looking at commercial property in Maryland, having your financing pre-structured means you close before the competition.
Structure your Maryland financing →By City
City-specific funding guides with local market data, funded scenarios, and lender insights.
Whether you're a growing startup or a multi-million-dollar operation, we match you with the right product and amount.
$10K – $1M
Revenue-based funding for working capital, equipment, and growth. Most fund in 1–3 days.
See What You Qualify For →$1M – $5M
Structured financing with capital stacking. Dedicated commercial specialist. Multiple lenders optimized.
Talk to a Commercial Specialist →$5M – $10M+
Complex transactions. Multi-lender capital stacks. Acquisitions, CRE, fleet buildouts. Dedicated team.
Request a Financing Review →Products
Every product available through our 70+ lender network. Each links to a detailed product page.
Flexible cash to cover operations, payroll, and growth.
Draw funds as needed. Only pay interest on what you use.
Finance or lease equipment with the asset as collateral.
Government-backed loans with competitive rates and long terms.
Get paid today on invoices due in 30–90 days.
Repayments flex with your daily or weekly revenue.
Lump sum with fixed monthly payments over 6 months–10 years.
Advance on future card sales. Fast funding, flexible repayment.
Finance property purchases, renovations, or refinancing.
Funding built for franchise acquisitions and expansions.
Acquire a competitor, buy a practice, expand your portfolio.
Fund large orders before you fulfill them. The PO is the collateral.
Requirements
Most Maryland businesses qualify. Here's what you need to get started.
Based on your last 4 months of bank deposits
Minimum time in business for most products
Dedicated business account required
Proof your business is registered
Driver's license or passport
Lenders for every credit profile
FAQ
Our team talks to Maryland business owners every single day. From Rockville federal contractors who need working capital against net-90 receivables to Baltimore restaurant owners expanding into Fells Point — the common thread is that Maryland businesses operate in an expensive market where capital speed is the differentiator.
Here's what we see over and over: a Maryland federal contractor has $2M in active contracts and can't make payroll because the government pays on net-90. Their bank says they need 60 days to process a line of credit. That doesn't work when your employees need to get paid Friday. That's why we built a system where 70+ lenders compete for your business through one application. Your dedicated specialist structures the right capital stack — whether that's a line of credit against receivables or a full capital stack for a biotech buildout.
If you're looking at commercial financing in Maryland, you should know that Montgomery County's biotech lab market has some of the lowest vacancy rates in the mid-Atlantic. Having your financing pre-structured before you make an offer is the difference between winning and losing. For healthcare practices in the Johns Hopkins ecosystem, SBA loans at 10% down are the standard play. And if you want to see real numbers before you commit, run your scenario through our commercial funding calculator first.
Bobby Friel
Founder, Basecamp Funding
One application. 70+ lenders compete. Your dedicated specialist presents your best options.
No credit impact · No obligation · 60 seconds
