Basic Capital helps you own a piece of the system—by making it possible to finance investments.
Basic Capital closes the
ownership gap by enabling Americans to finance investments
Empowering clients across industries with reliable solutions and measurable results — delivering meaningful impact, long-term value, and partnerships built on trust.
$1.28M
How much Americans who participate in a workplace retirement plan believe they will need to retire
Source: Schroders
69%
Say their workplace retirement plan is their
single most important retirement asset
Source: Schroders
$38K
Median 401(k) Balance
Source: Schroders
Who is Basic Capital for?
Whether you're saving independently or you manage your company's 401(k), we're here to help you hit your goals.
For employers
Stand out with the only 401(k) that gives your employees more capital to invest.
Learn more
For individuals
Increase your investing power - get $4 in financing for every $1 you contribute.
Learn more
Join the movement
Millions of
Americans
Millions of Americans remain under invested. We’re here to expand access to financial assets and increase ownership
5,000+ in our community
Our early access community of 5,000+ comes from all walks of life. Some are catching up, others are diversifying—and many are just getting started for the first time.
10+ employers
Employers—from home services and warehouse centers to AI startups—are offering the Basic Capital 401(k), giving employees the option to add investment financing if they choose.
Proven innovators stand behind our vision.
We’re a technology company backed by the same investors who supported society-shaping companies like Google, Uber, Airbnb, and OpenAI.
Lux Capital
A premier venture capital firm backing bold, unconventional science and technology ventures.
SV Angel
A legendary Silicon Valley investor backing generational companies from day one—including Google.
BoxGroup
An early-stage investment fund that invests in technology companies
Built by…
Our team comes from Goldman Sachs, Uber, Square, Robinhood, and WeWork—places where they learned how to build, scale, and rethink the system.
