Business loans in Memphis, Tennessee

Business Loans in Memphis, TN

One application reaches 70+ lenders who fund Memphis businesses daily. $10K to $10M+. No hard credit pull.

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$10M+
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Memphis Market

Why Memphis Businesses Choose Basecamp

Memphis is the logistics capital of the world. FedEx's global headquarters is here, and the Memphis International Airport handles more cargo than any other airport in the Western Hemisphere. That logistics infrastructure attracts manufacturing, distribution, and wholesale businesses from every industry.

Medical device manufacturing is Memphis's other powerhouse. Medtronic, Smith & Nephew, and Wright Medical all have major operations here. The combination of FedEx shipping and medical device production creates a unique corridor — manufacturers can ship to 90% of the US population within two days. The Port of Memphis on the Mississippi River adds another dimension to the logistics story.

Blues and BBQ tourism draw visitors year-round, and Beale Street remains one of America's most iconic entertainment districts. For Memphis business owners, the cost advantage is real — commercial rents and property prices are a fraction of Nashville's, but the logistics infrastructure is world-class.

Real Results

Funded in Memphis

Real financing scenarios for Memphis businesses through our lender network.

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Manufacturing Expansion

$3.2M capital stack for a medical device manufacturer expanding production. $1.8M facility (SBA 504), $1M equipment line, $400K working capital. Positioned near FedEx hub for same-day shipping.

$3.2M capital stack → FedEx adjacent → 3 products

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Fleet Expansion

$1.5M fleet expansion for a logistics company serving FedEx's last-mile network. 8 new trucks + 3 trailers. Equipment financing at 10% down.

$1.5M funded → 10% down → FedEx last-mile ready

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Warehouse Acquisition

$800K warehouse acquisition near the Memphis airport. SBA 504 with 10% down. Distribution company serving 3 states. Building appraised at $950K — instant equity.

$800K funded → 10% down → $150K instant equity

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Restaurant

$500K for a BBQ restaurant expanding to a second location on Beale Street. Kitchen buildout + equipment + 3 months working capital. SBA 7(a) with 10% down.

$500K funded → 10% down → Beale Street location

We're a medical device manufacturer and needed to expand production fast. Our bank wanted 90 days and 25% down. Basecamp stacked an SBA 504 for the facility, equipment line for the machines, and working capital to hire. Three products, one application. We were in production 45 days later.

Medical device manufacturer, Memphis TN

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See What Memphis Lenders Will Offer You

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

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$10K$75K/mo$2M+

Estimated Approval Range

$75K$113K

Based on 100-150% of monthly revenue

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Industries We Fund

Top Industries in Memphis

Market Data

Cost of Business in Memphis

Key business cost metrics for Memphis, TN.

CategoryMemphis Data
Commercial Rent$16–$28/sq ft (office) · $5–$9/sq ft (industrial)
Average Wages$44,800 median household income
Permits & Licensing$600–$5,000 depending on scope
Commercial Property Prices$100–$200/sq ft (commercial office)

Why Basecamp

Memphis vs Going to a Bank

Here's why Memphis 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 $10M+
Credit requirements720+ FICO typicalNo minimum — lenders for every profile
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.

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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 – $10M+

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

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Recommended Products

Best Loan Products for Memphis Businesses

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

FAQ

Frequently Asked Questions — Memphis Business Loans

Memphis Business Lending — Bobby's Take

Memphis is the logistics capital of the world — and our team sees that in every transaction. Medical device manufacturers expanding production to stay close to FedEx. Trucking companies scaling fleets for last-mile delivery. Wholesale distributors acquiring warehouses near the airport. The common thread is logistics — and Memphis has more of it than anywhere in America.

Here's what makes Memphis special for business owners: the cost advantage. Commercial rents are half of Nashville's. Industrial space near FedEx is still affordable. That means your dollar goes further, your DSCR looks better, and lenders compete harder for your business. Capital stacking is how our team structures manufacturing projects — SBA 504 for the facility, equipment line for the machines, working capital to hire and ramp. Run your numbers through our commercial funding calculator.

— Bobby Friel, Basecamp Funding - Founder

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Memphis Businesses Don't Wait. Neither Should Your Financing.

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