Unlock lasting wealth for your workforce

Be more than a great place to work

Offer a new retirement benefit that front loads your employee's 401(k) accounts without spending a dollar more on your employer contributions.

For people leaders

Offer the best retirement benefits in your industry

60% of employees cite retirement benefits as a major decision to stay with an employer long term.

  • Offer the most generous match

    Basic Capital can literally 5x your existing match. Not a typo.

    Learn how it works
  • Retain your best talent

    Your best talent wants to stay with you long term, even when better cash offers come in. Make it easy for them to do just that.

  • Make admin way easier

    37% of employers don't offer retirement benefits due to the administrative burden. Our solution is built from the ground up for leans teams to succeed.

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).

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For finance leaders

Control costs without losing the talent war

Basic Capital multiplies your employees’ capital base. You can decrease your total program cost while dramatically increasing the base on which your employees retirement savings compound.

  • Reduce total program costs

    Reduce administrative and matching costs while increasing employee retirement funds.

    Learn how it works
  • Increase total compensation

    Offer more attractive hiring packages without increasing overhead.

    Compare Basic Capital to ETFs
  • Give access to new tools

    Offer your employees access to a wealth creation tools usually preserved for the C suite.

    Basic Capital vs Private Banking

Potential impact

Up to 80% cost savings

With Basic Capital you can offer the same match with up to 80% cost savings (based on the ability to get $4 for every $1 in matching contributions you offer).

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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

Fully compliant

End-to-end platform

  • 3(38) Investment Fiduciary

    We are a fiduciary with investment recommendation and management, with team background from Goldman Sachs.

  • 3(16) Administrative Fiduciary

    We handle plan administration and record-keeping with top-tier legal counsel.

  • World-class experience

    Intuitive dashboards, advanced reporting tools, and tailored vesting options.

Learn more

Get an in-depth demo

We have 3 spots left for companies with up to 200 FTEs to join our 2025 employer program. Use the form below to get a complimentary demo from our CEO about how the program works.

Request demo