Capital for Commercial Operators
The Same Owners Who Need a COI Need a Capital Stack.
You came to us for the insurance side. That's the file we already know — the business is real, it's operating, it pays its bills on time. Most of the same operators reach a point where one bank's answer isn't enough capital. That's where we move you over to Basecamp Funding.
The Bridge
Why We Built Both Under One Relationship.
Bobby Friel
Partner, Direct Insurance Services
I also run our Basecamp Funding division.
When you came to us for commercial insurance, you handed us your operating picture — revenue, payroll, fleet, property, claims history. That same picture is what a lender needs to fund you. The difference is that traditional lenders don't see what we see. They underwrite against FICO, against tax returns, against a snapshot. We've watched your business operate. We know whether the numbers on paper match what's actually happening inside the company.
That's why this works. The insurance side qualified you in a way no lending application can. The capital side just delivers what the operating picture earns.
Capital Architecture
One Bank Showed You One Answer. We Structure Three.
Traditional lenders are slow. They deny more than they approve. They require a personal guarantee on every dollar. And when they do approve, it's usually less than what you actually need — because they make money on the other products they cross-sell you, not the loan itself. That's true at $250K. It's true at $20M. The structure we use solves all four.
Here's how capital stacking works. Three specialists. Three layers. One application on your end. One combined offer back to you.
Layer 1
Asset-Backed Capital
Equipment, real estate, inventory. The asset secures the loan. Rates lower than unsecured. Specialist lenders who underwrite the asset, not just your FICO. Funds in 2-7 days for equipment, 25-30 days for commercial real estate.
Layer 2
Revenue-Driven Capital
Working capital and revenue-based financing. Underwritten on your monthly deposits and cash flow consistency. Funds in 1-3 days. The layer that handles operating expansion while the asset-backed layer handles the structural piece.
Layer 3
Receivables-Backed Capital
Accounts receivable lines and factoring. Underwritten on your customer base and aging schedule. Funds in 2-3 days. The layer that solves the gap between when you do the work and when your customer pays for it.
A Real Stack
$48M-revenue manufacturer. Two new contracts. 12-week mobilization window. Bank approval timeline: 12-16 weeks.
- ›$3.2M equipment financing (7-year term) for two CNC production lines
- ›$750K working capital (24-month, daily payments) for raw materials
- ›$1.1M A/R line of credit (revolving) to bridge 60-day customer terms
Total: $5.05M structured. Funded inside the contract timeline.
Production up 37% in 6 months. The bank would have missed the deadline by 8 weeks.
You're probably thinking: three credit pulls, three sets of paperwork.
That's not how this works. One soft-pull pre-qual on your end. One application. Your advisor manages the three lenders. You see one combined offer and you sign once.
Industries
Built for Operators Whose Capital Needs Outgrew the Bank.
The industries below all share one thing: the transaction sizes that move the business forward don't fit a generalist bank's underwriting box. We work with these operators every day.
Construction & Contractors
Mobilization capital, equipment lines, A/R against retainage. From $250K bonded jobs to $20M+ multi-project stacks.
Manufacturing
Equipment financing, inventory facilities, working capital tied to PO and contract cycles. Common stack size: $3M–$10M.
Healthcare
Practice acquisitions, equipment portfolios, CRE for owner-occupied medical buildings. $500K–$20M range.
Trucking & Logistics
Fleet expansion, terminal acquisitions, A/R against broker payments. Common transactions: $500K–$5M.
Wholesale & Distribution
Inventory financing, A/R lines against B2B receivables, working capital for seasonal ramps. $500K+ structures.
Professional Services
Law firm acquisitions, practice buy-ins, real estate, working capital for contingency case loads. $250K–$5M typical.
Med Spa
Laser platforms, injectable inventory, new-location buildouts, equipment portfolios. $250K–$3M typical.
Auto Repair
ADAS calibration equipment, lift and bay buildouts, shop expansion, tech hiring capital. $250K–$2M typical.
Different industry? We work in most commercial verticals. See if your transaction fits →
Two More Stacks
Three Different Industries. Same Architecture.
Capital stacking isn't a product. It's the architecture. The layers change based on what the operator needs. The structure stays the same.
Stack #1 — Construction
$45M-revenue commercial GC. Two new contracts totaling $12.5M awarded. Bank approval timeline: 10-14 weeks. Mobilization deadline: 4 weeks.
- ›$2M A/R line of credit against project retainage
- ›$1.2M equipment loan (36-month) for steel, concrete, HVAC, safety
- ›$3.2M working capital facility with milestone-based draws
Total: $6.4M. Mobilization on time. $180K in early-purchase material savings.
Stack #2 — Staffing Firm
$134M-revenue professional staffing firm. New multi-site contracts. Weekly payroll obligation for 1,200 temporary workers. Client terms: Net-45 to Net-75.
- ›$2.8M payroll-based A/R line (revolving against staffing receivables)
- ›$900K working capital term loan (24-month, weekly payments synced to payroll cycle)
- ›$1.5M growth capital facility for multi-state expansion
Total: $5.2M. Zero payroll gaps. 26% placement volume increase in 8 months. $10M+ in new enterprise contracts secured.
The Underwriting Picture
Who Qualifies.
We don't lead with credit score because that's not how specialist lenders underwrite at the $250K+ level. The questions that actually drive approval:
What Drives Approval
- 1+ year operating history with current ownership
- Monthly revenue consistency (deposits tell a clearer story than tax returns)
- Customer concentration that doesn't expose you to single-buyer risk
- A transaction with a defined use of funds and a defined return on that capital
- Time pressure that’s real — a contract, a lease, an acquisition, an equipment timeline
What We Don't Lead With
- Personal credit score floors
- Collateral pledges across your entire balance sheet
- 60-90 day underwriting timelines for transactions you need in 14 days
The Process
Three Steps. One Submission.
One application. Three specialist lenders matched to your transaction. One combined offer back to you.
The 60-Second Picture
Tell us your annual revenue, your industry, and what the capital is for. Soft-pull pre-qual. No commitment.
Specialist Match
Your file routes to the specialist lenders who actually fund your industry at your transaction size. Not 70 phone calls. One advisor coordinating the lenders behind the scenes.
One Combined Offer
You see the structure that fits — single product or capital stack — with terms, timing, and total cost laid out. You decide. We close the structure.
Ready to See the Structure?
One application. $250K to $20M+.
Soft-pull pre-qual. 60 seconds to start. One combined offer back to you.
Smaller transaction? If your capital need is under $250K — direct working capital, equipment, or a line of credit at the marketplace tier — Basecamp Funding handles that too. See standard working capital products →
Need Insurance Too?
The Insurance Side of the Relationship.
Most lenders and landlords require proof of insurance before funding. If you need coverage, we handle that too — same-day binding available.
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