No Hard Credit Pull · Same-Day Funding Available

You Buy It Before You Sell It. Your Cash Is Locked in the Warehouse.

You pay suppliers in 30 days. Your customers pay you in 60-90. That gap is eating your margins and killing your growth. We match you with 70+ lending partners who fund wholesale operations daily.

No hard credit pull to check your rate
Revenue-based — not just your credit score
70+ lending partners compete for your deal
Inventory, receivables, and working capital
$10M
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

Had a $400K order from a major retailer. Needed $250K in inventory to fill it. Bank said 6 weeks. Basecamp Funding funded me in 3 days. I filled the order, kept the account, and landed a recurring contract.

★★★★★ — David K. · Consumer Goods Distributor · $3.2M Revenue · Atlanta, GA

No Minimum Credit Score$10K+ Monthly Deposits6+ Months OperatingNo Hard Credit PullAll Distribution 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$100K/mo$500K+

Estimated Approval Range

$100K$150K

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 BankInvoice FactoringInventory Financing
Time to FundedSame day – 3 days60 – 90 days1 – 5 days2 – 4 weeks
Use of FundsAnything — inventory, payroll, warehouse, freightRestrictedWorking capital onlyInventory purchase only
Gives Up Invoice Revenue?No — keep 100% of your receivablesNoYes — 2-10% per invoiceNo
Can Lender Seize Inventory?NoIf collateralNoYes — inventory is collateral
Min. Credit ScoreNone680+Varies600+
Lenders Competing70+111
Documentation3 mo. bank statementsTax returns, financials, projections, inventory reportsInvoices + client verificationInventory appraisal + financials
Personal GuaranteeUsually noYesSometimesYes
Accounts for Seasonal CyclesYes — built into underwritingNoYesPartially
Dedicated SpecialistYes — humanBranch bankerAccount repUnderwriter
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 Wholesale & Distribution Companies Use Basecamp Funding Funding

📦

Inventory Purchase

Stock up for peak season, lock in bulk pricing, fill large orders. Buy before your customers pay you.

🏭

Warehouse Expansion

Additional square footage, new locations, racking systems, cold storage. Scale your capacity.

🚚

Freight & Logistics

Shipping costs, delivery fleet, 3PL fees, cross-docking. Keep goods moving without draining reserves.

👷

Hiring & Payroll

Warehouse staff, drivers, sales team, seasonal workers. Cover payroll while waiting on receivables.

💻

Technology & Systems

WMS software, barcode systems, ERP, e-commerce platform, EDI integration. Automate and compete.

📈

Sales & Marketing

Trade shows, sales reps, B2B marketing, catalog production, website development. Grow your customer base.

🔄

Debt Consolidation

Refinance high-cost MCAs, factoring agreements, vendor debt, or credit lines into one manageable payment.

🌍

New Markets & Products

Add product lines, enter new territories, onboard larger retailers. Fund growth without draining operations.

Supplier Terms & Discounts

Pay suppliers early for 2-5% discounts. Turn financing cost into net savings on every purchase order.

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 or cyclical revenue patterns
High inventory-to-revenue ratio
Existing factoring or AR financing agreements
Long customer payment terms (NET-60/90)
Importing from overseas suppliers
Single-warehouse operation
Prior bank denial for 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 regulatory or import compliance 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 Next Big Order Shouldn’t Break Your Cash Flow

Tariffs are rising. Supplier costs are climbing. The distributors who survive aren’t the biggest — they’re the ones with capital ready to deploy. A pre-approved credit line costs nothing until you draw it. When your biggest customer doubles their order or your supplier offers a 5% early-pay discount — you’re ready.

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$100K/mo$500K+

Estimated Approval Range

$100K$150K

Based on 100-150% of monthly revenue

No hard credit pull · No obligation · Estimate only

Financing by Distribution Type

Every wholesale vertical. Click yours for tailored options.

FAQs

Wholesale & Distribution Loan FAQs

Stop Losing Margin to the Gap Between Buying and Getting Paid

60 seconds. No credit impact. No obligation.

See What I Qualify For →

No hard credit pull · Free to check · Nationwide

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