Your 5x IRA
Your 5x IRA
Your 5x IRA
Your 5x IRA
Your 5x IRA
Your 5x IRA
One-click backdoor Roth
Rollovers
The Basic Capital IRA gives you more investing power and 5x the tax advantage (without going over contribution limits).
The Retirement Mortgage
The Retirement Mortgage
Just like a home mortgage lets you use an initial balance to buy larger asset, Basic Capital gives you more investing power in financial markets.
We set up a self-directed Limited Liability Company (LLC) within your IRA wholly owned by you.
We set up a self-directed Limited Liability Company (LLC) within your IRA wholly owned by you.
We invest $4 alongside you for every $1 you contribute.
We invest $4 alongside you for every $1 you contribute.
Invest in a diversified portfolio of broad market stocks, bonds and corporate loans, customizable by you.
Invest in a diversified portfolio of broad market stocks, bonds and corporate loans, customizable by you.
Why asset financing works
Why asset financing works
Credit has powered American wealth building for over a century. Now it's powering long-term investing.
Today's markets reward meaningful participation.
Basic Capital provides financing for productive assets, so your wealth compounds on a larger base.
With duration financing, you benefit from more investing power without being subject to mark-to-market valuation or margin requirements.
We earn alongside you up to a cap, balancing alignment with your goals.
Traditional long-term investing
~7%
10 year average annualized return
$100
Retirement funds
$60 stocks
$40 bonds
Investing through Basic Capital
+10%
yield to customer
$400
Financing
$100
Retirement funds
10% SPY
90% Corporate loans and bonds
The information presented above is for illustrative purposes only and does not constitute financial advice, a guarantee of future results, or a recommendation to take any particular action. Past performance is not indicative of future returns. All investments involve risk, including the potential loss of principal. Individual results may vary based on market conditions, personal circumstances, and other factors. Before making any financial decisions, please consult with a qualified financial advisor and carefully review all relevant documentation.
Traditional long-term investing
~7% 10 year average annualized return
$100
Retirement funds
$60 stocks
$40 bonds
Investing through Basic Capital
+10% yield to customer
$400
Financing
$100
Retirement funds
10% SPY
90% Corporate loans and bonds
The information presented above is for illustrative purposes only and does not constitute financial advice, a guarantee of future results, or a recommendation to take any particular action. Past performance is not indicative of future returns. All investments involve risk, including the potential loss of principal. Individual results may vary based on market conditions, personal circumstances, and other factors. Before making any financial decisions, please consult with a qualified financial advisor and carefully review all relevant documentation.
Traditional long-term investing
~7% 10 year average annualized return
$100
Retirement funds
$60 stocks
$40 bonds
Investing through Basic Capital
+10% yield to customer
$400
Financing
$100
Retirement funds
10% SPY
90% Corporate loans and bonds
The information presented above is for illustrative purposes only and does not constitute financial advice, a guarantee of future results, or a recommendation to take any particular action. Past performance is not indicative of future returns. All investments involve risk, including the potential loss of principal. Individual results may vary based on market conditions, personal circumstances, and other factors. Before making any financial decisions, please consult with a qualified financial advisor and carefully review all relevant documentation.
Pricing
Pricing
These fees make it possible for Basic Capital to offer more investing power with duration financing.
Features include
Mobile app
Mobile app
More investing power
More investing power
Self-directed IRA
Self-directed IRA
Rollovers
Rollovers
One-click Backdoor Roth conversion
One-click Backdoor Roth conversion
Access to alternative assets
Access to alternative assets
Automatic investing
Automatic investing
Automated contributions
Automated contributions
Financing cost
Today's markets reward meaningful participation. Basic Capital provides financing for productive assets, so your wealth compounds on a larger base.
While margin loans are cheaper, they are a form of short-term lending subject to margin requirements. Our financing provides greater investing power than margin, with stable, long-term funding unaffected by market swings.
Lending rate comparison
5.65%
5.65%
Basic Capital financing*
~6.06%
30 year mortgage
~19%
Credit card
~5.1%
Margin loan
Based on publicly available data as of January 2026
Servicing fee
0.5% servicing fee of total assets, paid annually directly from your investments
Financing cost
Today's markets reward meaningful participation. Basic Capital provides financing for productive assets, so your wealth compounds on a larger base.
While margin loans are cheaper, they are a form of short-term lending subject to margin requirements. Our financing provides greater investing power than margin, with stable, long-term funding unaffected by market swings.
Lending rate comparison
5.65%
5.65%
Basic Capital financing*
~6.06%
30 year mortgage
~19%
Credit card
~5.1%
Margin loan
Based on publicly available data as of January 2026
Servicing fee
0.5% servicing fee of total assets, paid annually directly from your investments
Financing cost
Today's markets reward meaningful participation. Basic Capital provides financing for productive assets, so your wealth compounds on a larger base.
While margin loans are cheaper, they are a form of short-term lending subject to margin requirements. Our financing provides greater investing power than margin, with stable, long-term funding unaffected by market swings.
Lending rate comparison
5.65%
5.65%
Basic Capital financing*
~6.06%
30 year mortgage
~19%
Credit card
~5.1%
Margin loan
Based on publicly available data as of January 2026
Servicing fee
0.5% servicing fee of total assets, paid annually directly from your investments
Notes on Building Wealth
Notes on Building Wealth
We're on a mission to built long-term wealth for everyday Americans.
FAQ
FAQ
Everything you need to know about Basic Capital
What assets are eligible for the financing? Can I invest in anything I want?
What assets are eligible for the financing? Can I invest in anything I want?
How does the financing actually work?
How does the financing actually work?
How do automatic contributions work?
How do automatic contributions work?
What if the market drops?
What if the market drops?
How do I exit or withdraw my funds?
How do I exit or withdraw my funds?
Are there investment minimums?
Are there investment minimums?
Are there annual contribution limits?
Are there annual contribution limits?
Do you service backdoor Roth conversions?
Do you service backdoor Roth conversions?
Are there limits on rollovers?
Are there limits on rollovers?
What fees do you charge, and how do you make money?
What fees do you charge, and how do you make money?