Basic Capital

Introducing the Mortgage for Retirement

Support your employees' financial future

The majority of our country relies on their employers to help them think about how to plan for the future. Give your team a better way.

For owner-operators

Give your employees a new way to build wealth

Basic Capital is the only place where your employees can get a Retirement Mortgage: a larger base of capital to earn interest on. In addition, we provide all aspects of 401(k) plan administration and standard investment options.

  • A goal-based framework for saving

    We help your employees understand what they might need to retire with, and allow them to make contribution and portfolio allocation decisions in line with those goals.

  • An exclusive opportunity to front-load savings

    Basic Capital gives you and your team more capital to invest today so you can build more wealth for tomorrow.

    Learn how it works

  • And everything you need to get started

    200+ payroll integrations, proper documentation to handle employee salary deductions, along with the required components of plan administration: advisory, third party administration, and record keeping services.

How it works

Financing to boost your existing match

Basic Capital is the first company ever to provide $4 in term financing for every $1 in contribution matches you make. This term financing is non‑recourse to you and your employees, and is completely self‑funding (requires no ongoing payments from you or your employees).

Diagram

How it works for employees

  • Gains
    Financing
    Down payment

    Participants start with a contribution (all employee, matched, or all employer)

  • Gains
    Financing

    4X

    Down payment

    Our platform provides supplemental capital through term financing

  • Gains
    Financing
    Down payment

    Participants earn returns on the larger capital base

  • Gains
    Financing
    Down payment

    The ownership structure protects participants from loss greater than their initial contribution

Features

Everything your team needs (plus a new option)

Basic Capital provides a full-featured 401(k), SIMPLE IRA, and SEP IRA for small and medium businesses with standard retirement investment options plus the ability for employees to access the Retirement Mortgage.

  • 1,000s of options

    Like any other retirement benefits provider, Basic Capital allows you to choose from a list of thousands of ETFs, target date funds, and more to offer to your employees.

  • Goal-based experience

    Unlike many other options, Basic Capital helps your employees understand how to maximize any of your matching contributions, and helps contextualize payroll contributions in terms of their retirement goal.

  • Access to the Retirement Mortgage

    We are proud to be the exclusive provider of the Retirement Mortgage, where your employees can get financing to supercharge their retirement savings.

    Read about the Retirement Mortgage

Schedule a consultation

Learn more about the Mortgage for Retirement

Schedule a 30 minute consultation to understand how Basic Capital can help you set your team up for their financial future.

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Hear from the experts

7 HR leaders weigh in on the state of the 401(k)

We wanted to gather their thoughts on the main vehicle for retirement savings, the 401(k), so we spoke with seven HR and finance leaders from industries ranging from marketing to transportation to healthcare. Some allowed us to use their names and others preferred to remain anonymous or change their names. Here’s what we learned.

Read our interviews with 7 HR leaders