No Hard Credit Pull · Same-Day Funding Available

You Fill Tables Every Night. Your Bank Account Is Empty by Monday.

Food costs, payroll, rent, repairs — your margins are razor-thin and your expenses never stop. We match you with 70+ lending partners who fund restaurants daily and won’t touch your daily sales.

No hard credit pull to check your rate
Revenue-based — not just your credit score
70+ lending partners compete for your deal
Fixed repayment — NOT a daily sales deduction
$5M
Max Funding
Per deal or stacked
4hrs
Fastest Funded
Same-day available
No Min
FICO Required
Revenue-based approval
70+
Lenders Compete
You pick the best offer

Summer slowed down and I couldn’t make payroll. An MCA company wanted 40% of my daily card sales. Basecamp Funding got me $150K with fixed monthly payments — my busy nights stayed mine.

★★★★★ — Maria C. · Full-Service Restaurant · 35 Seats · Austin, TX

No Minimum Credit Score$10K+ Monthly Deposits6+ Months OperatingNo Hard Credit PullAll Restaurant Types

Check Your Rate

Find Out What You Qualify For in 60 Seconds

Slide the calculator to see your estimated approval range. Then answer 3 quick questions to lock it in. No documents needed. No credit impact.

Estimated range appears instantly
Auto-advances as you answer — no extra clicks
Soft credit pull only — your FICO stays untouched
Real specialist reviews your file within the hour
No obligation — see your options and decide
Estimate
Revenue
History
Contact

See What You Could Qualify For

Slide to your average monthly bank deposits.

$10K$50K/mo$500K+

Estimated Approval Range

$50K$75K

Based on 100-150% of monthly revenue

No hard credit pull · No obligation · Estimate only

Your Deal Gets Shopped Across 70+ Lending Partners Including

BlueVineA Rated
KabbageA Rated
OnDeckA+ Rated
FundboxA Rated
Celtic BankA Rated
Cross RiverA Rated
Ready CapitalA Rated
SmartBizA Rated

+ additional SBA lenders, community banks, credit unions, and specialty finance companies

Why Basecamp Funding

How We Compare

Not all funding sources are created equal. Here's how we stack up against your other options.

Basecamp FundingTraditional BankMerchant Cash AdvanceSBA Loan
Time to FundedSame day – 3 days60 – 90 days1 – 3 days30 – 180 days
Repayment StructureFixed — predictable paymentsFixed monthlyDaily deduction from card salesFixed monthly
Effective CostCompetitive APRLow APR but slow40-200% effective APRLow APR — if you qualify
Touches Daily Sales?No — your daily revenue stays yoursNoYes — 10-20% of daily card salesNo
Min. Credit ScoreNone680+None675+
Lenders Competing70+111
Documentation3 mo. bank statementsTax returns, financials, projections3-4 mo. card processing statementsBusiness plan, tax returns, SBA forms
Personal GuaranteeUsually noYesSometimesYes
Use of FundsAnythingRestrictedWorking capital onlySBA-approved uses
Dedicated SpecialistYes — humanBranch bankerSales repVaries
Check What I Qualify For →

How It Works

From Application to Funded in 5 Steps

No paperwork avalanche. No bank lobby. No guessing.

📱
1

60-Second Application

Answer 4 questions. No documents needed yet.

🔒
2

Soft Credit Check

Zero impact on your FICO. Score stays untouched.

🏦
3

70+ Banks Compete

Multiple lenders see your deal. Best terms surface.

4

Pick Your Best Offer

Compare rates, terms, and amounts. You decide.

💰
5

Get Funded

Sign digitally. Funds in your account — same day available.

Use Your Capital For

9 Ways Restaurants Use Basecamp Funding Funding

🍳

Kitchen Equipment

Ovens, fryers, walk-ins, hood systems, POS systems. Upgrade without draining your cash reserves.

👨‍🍳

Payroll & Staffing

Cover payroll during slow weeks. Hire for the busy season. Retain your best staff year-round.

🏗️

Renovation & Buildout

Dining room refresh, patio expansion, bar remodel, second location buildout.

🥩

Inventory & Food Costs

Stock up for busy season. Lock in bulk pricing from suppliers. Never run out of your best sellers.

📈

Marketing & Promotion

Social media ads, Google Ads, delivery platform fees, grand opening campaigns, loyalty programs.

📍

Second Location

Open a new spot, launch a ghost kitchen, or expand into catering. Scale without risking the mothership.

🔄

Debt Consolidation

Refinance predatory MCAs, high-interest credit cards, or equipment leases into one manageable payment.

🛠️

Repairs & Compliance

Health department fixes, grease trap replacement, fire suppression, ADA compliance. Handle it now.

📱

Technology & Delivery

Online ordering, delivery integration, reservation systems, kitchen display screens. Modernize your operation.

Full Transparency

What Kills Your Qualification (And What Doesn't)

Most lenders won't tell you this upfront. We will.

✅ These Won't Stop You

Low personal credit score (no minimum FICO)
Seasonal revenue fluctuations
Less than 2 years in business (6 months is fine)
Cash-heavy business with card + cash mix
Existing MCA or high-interest debt
No collateral beyond equipment
Food truck or non-traditional concept
Prior bank denial for restaurant financing

🚫 These Can Be Deal-Breakers

Less than $10,000/month in bank deposits
Less than 6 months in operation
No business checking account
Active (undischarged) bankruptcy
Negative average daily bank balance
Heavy NSF/overdraft activity on statements
Active health department closure or violations
Undisclosed existing positions or defaults
Check If I Qualify \u2014 No Credit Impact \u2192

Before You Apply

What to Have Ready

Having these speeds up your approval. Don't have everything? Start anyway — we'll guide you.

3 months of bank statements

PDF download or online banking credentials

Business checking account

Must be a dedicated business account

Valid business license or EIN

Proof your business is registered

Government-issued ID

Driver’s license or passport

Outstanding debt details

Existing loans, MCAs, or credit lines

Approximate monthly revenue

Doesn’t need to be exact

The Slow Season Shouldn’t Shut Down Your Kitchen

1 in 5 restaurants don’t survive their first year — usually because they ran out of cash, not customers. A pre-approved credit line costs nothing until you draw it. But when January hits, or the health inspector orders a $15K fix, or your walk-in dies on a Friday — you’re covered.

Check My Rate While My Numbers Are Strong →

No credit impact · No obligation · 60 seconds

Ready?

See What You Qualify For. No Credit Impact. No Obligation.

Slide the calculator, answer 3 questions, and a specialist pulls your options within the hour.

Estimated approval range appears instantly
Auto-advances — no extra buttons to click
Soft pull only — FICO untouched
70+ lenders compete for your deal
No obligation to accept any offer
Estimate
Revenue
History
Contact

See What You Could Qualify For

Slide to your average monthly bank deposits.

$10K$50K/mo$500K+

Estimated Approval Range

$50K$75K

Based on 100-150% of monthly revenue

No hard credit pull · No obligation · Estimate only

Financing by Restaurant Type

Every concept. Click yours for tailored options.

FAQs

Restaurant Business Loan FAQs

Don’t Let Thin Margins Kill a Great Restaurant

60 seconds. No credit impact. No obligation.

See What I Qualify For →

No hard credit pull · Free to check · Nationwide

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