Whether you're buying your first home, growing your business, or building a nest egg — we have a product designed for you.
Purchase, refinance, or renovate with competitive rates and flexible terms. First-time buyers welcome.
From 5.25% APRWorking capital, equipment loans, and lines of credit to power your company's growth — from startups to enterprise.
Up to $5MInvest in your future with affordable student loans for undergraduate, graduate, and professional programs.
Deferred paymentsNew or used vehicles, get pre-approved before you visit the dealership and drive away with confidence.
72-hour approvalGrow your wealth through managed portfolios, mutual funds, REITs, and retirement planning — all guided by certified advisors.
Avg. 18% annual returnHandle life's expenses — medical bills, debt consolidation, home improvements — with fast, unsecured personal loans.
Same-day decisionsUse our loan calculator to understand what your payments might look like. These are estimates — your actual rate depends on your credit profile.
See how your investments can grow over time with our projection tool. Actual returns vary based on market conditions.
We show you every number upfront. Your loan summary includes the full cost of borrowing — interest, fees, and monthly payment — before you sign anything.
Our streamlined review process means you're not waiting weeks for an answer. Most applicants receive a decision within one business day.
Every client gets a dedicated financial advisor who understands your goals and helps you choose the right product — not just the most profitable one for us.
We serve individuals and businesses across all 50 U.S. states, with digital-first tools and local expertise wherever you are.
Basic Funding LLC was founded in 2008 with a simple belief: everyone deserves access to fair, honest financial services — without the jargon, runaround, or surprise charges.
Years of trusted financial services across the United States
in loans and investments deployed for our clients
At Basic Funding LLC, we don't just sell financial products — we build lasting relationships. Our advisors take the time to understand your unique situation and recommend solutions that truly fit your life and goals.
We believe financial empowerment comes from education and transparency, not complexity. That's why we explain every term, fee, and option in plain English — so you always know exactly what you're signing up for.
Basic Funding LLC opens its doors with a team of three, offering personal and small business loans to underserved communities.
Following strong growth and client referrals, we expanded our licensing and services across the Midwest and Southeast.
We added SEC-registered investment advisory services, allowing clients to grow their wealth alongside managing their debt.
Achieved licensing in all 50 states and launched our digital-first platform, making applying and managing accounts fully online.
We continue to grow while staying true to our founding mission: straightforward financial services that actually help people.
We hold all required licenses and certifications to operate as a lender and investment advisor across the United States. Your financial safety is our legal obligation — and our personal commitment.
Every fee, every rate, every term is shown upfront. We never bury important details in fine print.
We recommend what's right for you — not what earns us the highest commission.
Quality financial services shouldn't be reserved for the wealthy. We work with every credit profile.
From digital applications to AI-assisted advising, we use technology to serve you better and faster.
We offer a wide range of loan products for individuals and businesses. Every product comes with clear terms, no prepayment penalties, and a dedicated loan officer to guide you through the process.
Designed for your life's biggest moments — and unexpected challenges.
Finance your dream home or tap into your home's equity. We offer fixed-rate, adjustable-rate, FHA, VA, and jumbo mortgages with expert guidance from contract to closing.
Handle medical bills, home improvements, debt consolidation, travel, or any personal expense with a flexible unsecured loan — no collateral required.
Get pre-approved before you step into a dealership. Finance new, used, or electric vehicles with competitive rates and flexible terms up to 84 months.
Invest in your education without financial stress. We offer deferred payment options, income-based repayment plans, and coverage for tuition, books, and living expenses.
From early-stage startups to large enterprises, we have the capital and expertise your business needs.
A lump-sum loan with fixed repayments — ideal for major investments like expansion, acquisitions, or large inventory purchases. SBA 7(a) options available.
Draw funds when you need them, pay back on your schedule. Perfect for managing cash flow gaps, seasonal fluctuations, or unexpected opportunities.
Finance the equipment your business needs to operate and grow — from commercial vehicles and construction machinery to software and medical equipment.
These are general guidelines. We consider the full picture of your financial situation, not just a credit score.
It takes less than 10 minutes to complete your application. No obligation, no hard credit pull until you're ready to proceed.
Our leadership team brings decades of combined experience in lending, investments, and financial planning. They're not just experts — they're advocates for your financial success.
Marcus founded Basic Funding LLC after 12 years as a senior loan officer at one of the nation's largest banks. Frustrated by a system that put profits over people, he built a company designed to do things differently. He holds an MBA from the University of Chicago and is a Certified Financial Planner® (CFP®).
Diana leads our investment advisory division with a philosophy rooted in disciplined risk management and long-term thinking. A CFA charterholder with a background in hedge funds and wealth management, she has guided clients through multiple market cycles to deliver consistent, measured growth.
James specializes in complex business financing — from SBA-backed loans to equipment leasing and commercial real estate. He spent a decade at the U.S. Small Business Administration before joining Basic Funding, and he brings that insider knowledge to help our business clients access capital efficiently.
Every decision starts with one question: is this the best outcome for our client?
Markets and regulations change. Our team stays current so you don't have to.
We actively support financial literacy programs and community development initiatives.
We comply with all regulations — and hold ourselves to standards that go beyond what's required.
Basic Funding is always looking for talented, ethical, and motivated professionals to join our team across all departments.
Complete the form below to start your loan or investment application. A dedicated advisor will review your submission and contact you within one business day.
No call centers, no bots. When you contact Basic Funding, you speak with a licensed financial professional who can actually help. Reach out by phone, email, or use the form below.
Reach us using any of the channels below. For loan inquiries, please have your approximate credit score and desired loan amount ready so we can assist you faster.
| Monday – Friday | 8:00 AM – 8:00 PM ET |
| Saturday | 9:00 AM – 5:00 PM ET |
| Sunday | Closed |
| Federal Holidays | Closed |
Our initial application uses a soft credit check, which does not impact your credit score. A hard inquiry is only performed if you choose to move forward with a formal loan offer.
Most applicants receive a decision within 24–48 business hours. Personal loans can often be decided the same day. Complex business or mortgage applications may take 3–5 business days.
Credit score requirements vary by product. Some personal loans are available with scores as low as 580. Home mortgages generally require 620+. We evaluate your full financial picture, not just your score.
Yes. We use 256-bit SSL encryption and adhere to all federal data privacy regulations. Your information is never sold to third parties. View our Privacy Policy for full details.
Yes. Basic Funding LLC charges no prepayment penalties on any of our loan products. You can pay off your loan early and save on interest without any extra fees.