Business loans in Columbia, South Carolina

Business Loans in Columbia, SC

One application reaches 70+ lenders who fund Columbia businesses daily. $10K to $20M+. Soft-pull pre-qual.

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✓Same-day funding available
✓70+ lenders compete for your business
✓All established industries
$20M+
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Columbia Market

Why Columbia Businesses Choose Basecamp

Columbia is South Carolina's state capital and home to the University of South Carolina. Fort Jackson — the US Army's largest basic training installation — brings defense employment and contracting. Prisma Health Richland is a major healthcare employer.

Government, education, and healthcare create steady demand. The professional services market — attorneys, accountants, consultants — is strong. Construction demand is consistent with government projects, university expansion, and commercial development.

For Columbia business owners, the market is stable and growing. Government demand provides a foundation, while healthcare and education drive expansion. Capital helps you capitalize on steady growth without waiting for conservative government-town banks.

Real Results

Funded in Columbia

Real financing scenarios for Columbia businesses through our lender network.

💰

Section 179 Tax Strategy

$1.1M in CNC equipment for a precision parts manufacturer serving the automotive supply chain. 10% down ($110K). Section 179 deducted $1.1M. Tax savings: $407K at 37%.

$1.1M equipment → $110K down → $407K tax savings

🦷

Medical Practice

$800K revenue-based capital stack for a Columbia SC medical practice acquisition near Prisma Health Richland: term loan against $1.8M annual 4-provider revenue + equipment financing + working capital (see /loans/business-acquisition).

$800K funded → 24 days → Prisma corridor practice

🍽️

Restaurant

$500K for a restaurant opening in the Vista district near the university. Kitchen buildout + equipment + working capital.

$500K funded → 10% down → Vista district open

🏗️

Construction Equipment

$600K in construction equipment for a contractor serving state government and university projects. Equipment financing at 10% down.

$600K funded → 10% down → government projects

“We're a precision parts manufacturer that just landed automotive supply chain contracts. We needed $1.1M in CNC equipment and the Section 179 deduction saved us $407K. Basecamp structured the equipment financing in 12 days. Our bank would have taken 60+.”

— Manufacturing company owner, Columbia SC

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See What Columbia Lenders Will Offer You

One application — 60 seconds. 70+ lenders compete. Your dedicated specialist presents your best options.

✓Soft-pull pre-qual
✓No obligation
✓Funded as fast as same day
✓70+ lenders compete for your business
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$10K$250K/mo$2M+

Estimated Approval Range

$250K – $375K

Based on 100-150% of monthly revenue

Soft-pull pre-qual · No obligation · Estimate only

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Industries We Fund

Top Industries in Columbia

🦷

Healthcare

Prisma Health Richland, Lexington Medical. Practice acquisitions and equipment financing.

🏗️

Construction

Government projects, university expansion, commercial development. Steady demand.

🍽️

Restaurants

Vista district, Five Points, university area. Student and government worker demand.

⚖️

Attorneys

State capital legal market. Government, corporate, and real estate law.

🏭

Manufacturing

Precision parts, CNC machining, automotive supply chain.

Market Data

Cost of Business in Columbia

Key business cost metrics for Columbia, SC.

CategoryColumbia Data
Commercial Rent$16–$26/sq ft (office) · $5–$8/sq ft (industrial)
Average Wages$48,200 median household income
Permits & Licensing$250–$3,000+ depending on project scope
Commercial Property Prices$90–$180/sq ft (commercial office)

Why Basecamp

Columbia vs Going to a Bank

Here's why Columbia business owners choose Basecamp over their local bank.

CategoryTraditional BankBasecamp Funding
Number of lenders1 bank, 1 answer70+ lenders compete for your business
Application time60–90 minutes in-branch60 seconds online
Time to funding45–90 daysSame day to 30 days
Capital availableLimited to bank's appetiteCapital stacks up to $20M+
Credit requirements680+ FICO typicalRevenue-focused — we evaluate total business performance
Specialist supportLoan officer managing 50+ filesDedicated specialist for your transaction
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Funding Built for Your Stage of Growth

Whether you're a growing startup or a multi-million-dollar operation, we match you with the right product and amount.

🚀

Growing Businesses

$10K – $1M

Revenue-based funding for working capital, equipment, and growth. Most fund in 1–3 days.

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⭐

Established Businesses

$1M – $5M

Structured financing with capital stacking. Dedicated commercial specialist.

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💎

Commercial & Complex

$5M – $20M+

Complex transactions. Multi-lender capital stacks. Acquisitions, CRE, fleet buildouts.

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Recommended Products

Best Loan Products for Columbia Businesses

The most popular funding types for businesses in Columbia. Each links to a detailed product page.

🔧 Equipment Financing

CNC machines, construction equipment, medical devices — the asset is collateral.

View Product Details →

📊 SBA Loans

Best rates for practice acquisitions and commercial property in the capital.

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💰 Working Capital

Bridge cash flow during government contract cycles and seasonal fluctuations.

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🏢 Commercial Real Estate

Columbia's steady CRE market. Government and medical office space. SBA 504.

View Product Details →

FAQ

Frequently Asked Questions — Columbia Business Loans

Columbia Business Lending — Bobby's Take

Our team works with Columbia business owners who serve the capital's steady economy. Healthcare practices near Prisma Health, manufacturing companies landing automotive supply chain contracts, attorneys and professional services — the demand is consistent and the growth is real.

What works in Columbia: Section 179 and equipment financing. A $1.1M CNC equipment purchase with 10% down and a $407K tax deduction changes your entire year. Through Basecamp, 70+ lenders compete for your business. Your capital stack gets structured fast. Run your numbers through our equipment financing calculator.

Bobby Friel, Basecamp Funding Founder

Bobby Friel

Founder, Basecamp Funding

Bobby Friel, Founder of Basecamp Funding

Nearby Markets

Other South Carolina Cities We Serve

Click through to see funding scenarios, local industry focus, and commercial financing for businesses in these South Carolina metros.

📍 Charleston

Charleston is South Carolina's economic crown jewel. The Port of Charleston — the 10th-largest container port in America...

📍 Greenville

Greenville is the Upstate's economic engine. BMW's Spartanburg plant — the largest BMW manufacturing facility in the wor...

📍 Spartanburg

Spartanburg is the heart of BMW manufacturing in America. The BMW Spartanburg plant produces over 1,500 vehicles per day...

📍 Mount Pleasant

Mount Pleasant is Charleston's affluent northern suburb and one of the fastest-growing cities in America. Premium reside...

📍 Rock Hill

Rock Hill sits just south of the North Carolina border in the Charlotte metro area. Charlotte spillover is driving rapid...

📍 Myrtle Beach-Grand Strand

Myrtle Beach and the Grand Strand is a 60-mile beach tourism corridor that generates $8B+ in annual tourism revenue. The...

📍 Hilton Head Island

Hilton Head Island is South Carolina's luxury tourism and golf destination. Premium resorts — Sea Pines, Palmetto Dunes,...

📍 North Charleston

North Charleston is the manufacturing and industrial heart of the Charleston metro. Boeing's 787 Dreamliner assembly pla...

📍 Aiken

Aiken sits at the intersection of federal energy, manufacturing, and equestrian culture. The Savannah River Site — one o...

🏢 Need Commercial Financing Above $1M?

For capital stacks combining SBA, commercial real estate, equipment, and working capital into one structured package from $500K to $20M+, our commercial team structures the full transaction across multiple lenders.

Explore Commercial Financing →
← Back to South Carolina Business Loans

Columbia 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