Basic Capital
“Can a modern 401(k) platform — built with leverage, alternatives, and AI — become the retirement infrastructure layer for vertical SaaS and HR platforms?”
Founded in 2023, Basic Capital set out to rebuild the 401(k) from scratch rather than layer features onto legacy recordkeeping infrastructure. Its core innovation is 'The Retirement Mortgage' — a proprietary financing product that provides $4 of leveraged capital for every $1 a participant contributes, combining leverage, diversified investing, and LLC-based liability protection. By 2025 it emerged from stealth with $25M Series A backing and began embedding its retirement plan directly into third-party payroll and HR platforms via a Check partnership, positioning itself as 401(k) infrastructure for the vertical SaaS era.