The Real Problem
You already know what your bank will ask for — your house, and sixty days.
Maybe it's a flat no — wrong industry this quarter, or last year's return doesn't fit the box. Maybe it's a yes, but only against a full personal guarantee and your home as collateral. Either way, the bank is weighing what you can pledge and what your personal credit looks like — not the cash flow the business actually throws off, or the opportunity sitting in front of you right now.
So you put the house up for a fraction of what you need — or you wait, and watch the window close. Which is it?
The business was never the problem. The box they judged it in was.
Bobby’s Take
Two numbers matter, and they're rarely the same: what one bank will approve, and what your business can actually support. The gap isn't about merit — it's about whose model is reading the file. Put it in front of the lenders who read it right, piece by piece, and the number that comes back is usually the one you needed all along.
Bobby Friel, Founder, Basecamp Funding
Capital Stacking
How We Fund $250K–$20M+
Very few lenders write a check that large — so we don't ask one to. We break the number into pieces: equipment, working capital, receivables, real estate. Each goes to the lender that underwrites it best, stacked into one structure your advisor runs end to end.
The bank sees a shortfall and passes. We see the next layer.
How a $7M equipment need gets funded
Same architecture stacks to $20M+ across more pieces.
Start Here
What Brought You Here Today?
Pick the line that sounds like your week — we'll point you to the right place to start.
What Most Owners Never Find Out
Most businesses can access far more capital than they think.
Owners plan around the funding they assume they can get — so the capital becomes the ceiling, not the business. The first step isn't applying for a bigger loan. It's seeing the real number your revenue, cash flow, and trajectory can actually support — before you size your next move around a guess.
See what your business can actually support →Structured Files
What a Structured File Looks Like
Representative scenarios — illustrative figures, not specific client transactions.
Which of those scenarios sounds closest to your situation right now?
A contract you can't fund? Equipment you can't buy? Cash flow that doesn't match your payroll schedule? The business owners above all started in the same place you are — they just stopped waiting for the bank to call them back.
How It Works
From Qualifier to Funded in Five Steps
No paperwork avalanche. No bank lobby. No guessing.
Qualify
A few questions about the business, right here. No documents to start.
Application
A soft credit pull and a quick document review to pre-underwrite the file.
Matched to the Right Lenders
The specialist lenders who fund your business - the right lender on each piece.
One Advisor, Real Term Sheets
Your advisor brings back real term sheets, not estimates, and walks the structure.
Structured & Funded
Accept the structure that fits, sign digitally - funded in days, not months.
For the application, have ready
Under two years in business, or the returns show a loss? We can structure on bank statements alone.
The 60-Second Qualifier
See What Your Revenue Supports
Specialist lenders build real term sheets against your numbers — not a generic qualifier range. Funded on cash flow, not years in business — and sized to your revenue, into eight figures.
What Happens When You Start
Estimate Your Capital Range
Slide to your annual gross revenue. We size capital off your top line — not your credit score.
Estimated Capital Range
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
The Founder
I built Basecamp so a good operator never has to take a bank's “no” as the final word.
For twenty years in banking and mortgage, I watched good businesses ask for what they needed and get a fraction back — or a flat no. Not because the numbers didn't work, but because one bank, judging the whole request by its own narrow criteria, was never going to see the full picture.
Basecamp fixes that. One file goes to a network of specialist lenders, each underwriting the piece it does best, and a dedicated advisor structures them into the full number the business needs. No 45-minute lobby. No three-week wait for one answer. Just the structure that funds the plan.
Bobby Friel
Founder, Basecamp Funding
Funding by the Size of the Need
Capital Matched to Where You Are Right Now
One application, multiple lenders — and a prepared file funds in days, whether the need is $250K or $20M.
Industries We Serve
Funding Built for Your Industry
We fund the way your industry runs — the contract cycle, the equipment, the receivables, the cash flow.
Construction
Contractor mobilization funding, heavy equipment financing, and working capital for progress-billing gaps.
Manufacturing
Industrial machinery and equipment financing, capex lines, and inventory funding.
Trucking
Commercial fleet financing, equipment loans, and freight-cycle working capital.
Logistics
Logistics fleet acquisition, warehouse and distribution financing, and supply-chain working capital.
Healthcare
Medical and dental practice acquisition financing, equipment leasing, and expansion capital.
Technology
Growth capital for SaaS and MSPs, plus data-center and IT equipment financing.
Wholesale
Inventory financing, purchase-order funding, and accounts-receivable lines for distributors.
Attorneys
Law-firm case-cost financing, partner buyout funding, and working capital lines.
Restaurants
Restaurant equipment financing, build-out funding, and multi-unit acquisition capital.
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.
Free Tools
Free Calculators & Tools
Estimate costs, compare products, and see your capital range. No email, no signup.
The Cost of Waiting
What does another month of waiting cost the business?
It isn't the rate. None of it shows up on a term sheet — but it compounds every week the capital isn't in place.
Request a Financing Review →Full Transparency
What Kills Your Qualification (And What Doesn’t)
You’ve probably heard “no” for reasons that have nothing to do with whether your business can carry capital. Here’s what actually moves a file — and the short list that genuinely stops one.
FAQs
Commercial Financing FAQs
The questions serious operators actually ask — answered straight, in the order they matter.
Can you actually fund this — or will I get pre-qualified and then ghosted?
Funding certainty is the whole point. You don’t get a generic pre-qual range that means nothing — our specialist desk pulls real term sheets from real lenders during underwriting. If you’ve been quoted a rate by a bank that later denied the file, or had a broker shop you for weeks and go quiet, you know the difference. The offers you see here are offers a lender has committed to fund.
Can you fund the full amount — or approve a fraction and tell me to come back?
The full amount — that’s what capital stacking is for. When one lender caps at $1M on a $3M need, we don’t hand you the $1M and wish you luck; we stack capital across 70+ specialist lenders so the structure funds the full transaction. Half-funding kills the use case, so we size to what you actually need — not to one lender’s ceiling.
How fast can you actually fund — for my file, not a marketing-page average?
At the speed of your file. Banks take 60–90 days regardless of how prepared you are; a specialist desk moves as fast as your documentation allows. Clean statements, financials ready, and a clear use of funds fund fast — still gathering documents funds slower. We won’t overpromise speed your transaction can’t actually support. What we will do is move the moment your file is ready.
My use case is layered — real estate, equipment, working capital. Can you structure across all of it?
Yes — that’s capital stacking, and it’s how we work. A layered transaction doesn’t get forced into one product. The real estate goes to a CRE lender, the equipment to an equipment lender, the working capital to a revenue lender — each one knows its role and prices its wheelhouse, and the stack comes together as a single structure. Most lenders can’t do this, which is exactly why the larger transactions stall with them.
Who actually works my file — and are they sophisticated enough to talk shop?
A specialist desk that speaks your language — DSCR, EBITDA, NOI, collateral mix, intercreditor terms, PG carve-outs — so you’re never educating your lender. And they don’t get reassigned mid-transaction. The people who structure your file are the people who stay on it. No starting over with a new rep every time a bank rotates its staff.
What’s the personal-guarantee scope — and can it be carved out?
Expect a personal guarantee on commercial debt — the real question is how extensive. Banks default to a full PG on everything. Specialist lenders default the other way: asset-secured, revenue-secured, or receivables-secured, with a PG only where the structure genuinely requires it. Depending on the facility, that can mean a partial PG, a burn-off after payment history, or no PG at all on asset-backed lines.
What’s the rate — and is it competitive?
Rate matters, but here’s what most operators miss: a quoted rate isn’t a real rate until the wire hits your account. A bank’s quote is conditional on an underwriting decision that hasn’t happened yet — so comparing a real funded specialist offer to a theoretical bank quote isn’t a real comparison. And when the right lenders each price their own layer of the stack, the blended cost usually beats one lender pricing the whole thing. Real rate comparison takes real funded offers — which is what you’ll have.
If I take capital now under time pressure, am I locked in forever?
No — and it’s a fair fear to name. Taking capital under a deadline doesn’t trap you. Get funded now on terms that work, then optimize once you’ve proven the relationship: rate, PG scope, credit limit, and structure are all reviewable, typically at 6–12 months of on-time payments. The structure improves as you do — and waiting on “perfect” terms that never arrive almost always costs more than starting and refining.
Your Capital Range
You’ve seen the how — now see your number.
Annual revenue in, capital range out. About a minute, no hard inquiry.
Estimate Your Capital Range
Slide to your annual gross revenue. We size capital off your top line — not your credit score.
Estimated Capital Range
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
Inside the Stack
How a Capital Stack Comes Together
When the need is bigger than any single lender will write, the structure gets built in layers — each piece placed with the lender that underwrites it best.
Example structures, shown to illustrate how the layers add up — not actual transactions.
Operator's Glossary
Multiple lenders combined into one financing structure, each funding the layer it underwrites best. It’s how a need larger than any single lender’s limit gets funded.
Operating income divided by total debt payments. It shows whether the business throws off enough to cover the debt; lenders generally look for 1.25 or higher.
Revenue minus operating expenses, before debt service and taxes — what the business or property actually earns.
Accounts-receivable financing: capital advanced against unpaid customer invoices, so revenue you’ve already earned funds the business before customers pay.
A limit on a personal guarantee — partial, burning off after payment history, or asset-secured with no PG — instead of a full guarantee on the entire debt.
The combined effective rate across a multi-lender stack, where each lender prices only its own layer. Usually lower than one lender pricing the whole amount.
