Some co-ops use what is called a base capital plan as an alternative to the equity building and equity redemption methods described above. Under such a plan, each member invests equity in proportion to their use of the co-op over a base period of years. This ensures that each member's investment is in proportion to his or her use. Base equity plans can also be designed to respond effectively to the co-op's need for capital.

Underinvested members continue to invest over time, using direct investment, retained patronage, or per unit retains to do so. If a member becomes overinvested in relation to their use of the co-op, they can receive a partial refund to correct the balance. As always, the board of directors should have authority over when and how the co-op may return equity to these members.

"To build cooperatives is not to do the opposite of capitalism, as if capitalism did not have any useful features. Cooperation must...assimilate the methods and dynamism of capitalism."
Don Jose Maria Mondragon Pioneer