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
Learn how it worksBasic Capital can literally 5x your existing match. Not a typo.
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).

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
Learn how it worksReduce administrative and matching costs while increasing employee retirement funds.
Increase total compensation
Compare Basic Capital to ETFsOffer more attractive hiring packages without increasing overhead.
Give access to new tools
Basic Capital vs Private BankingOffer your employees access to a wealth creation tools usually preserved for the C suite.
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).

How it works for employees
- GainsFinancing
4X
Down paymentParticipants start with a contribution (all employee, matched, or all employer)
- GainsFinancing
4X
Down paymentOur platform provides supplemental capital through term financing
- GainsFinancing
4X
Down paymentParticipants earn returns on the larger capital base
- GainsFinancing
4X
Down paymentThe 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.