diff --git a/pkg/loader/factory.go b/pkg/loader/factory.go
new file mode 100644
index 000000000..86fc97527
--- /dev/null
+++ b/pkg/loader/factory.go
@@ -0,0 +1,36 @@
+/*
+Copyright 2018 The Kubernetes Authors.
+
+Licensed under the Apache License, Version 2.0 (the "License");
+you may not use this file except in compliance with the License.
+You may obtain a copy of the License at
+
+    http://www.apache.org/licenses/LICENSE-2.0
+
+Unless required by applicable law or agreed to in writing, software
+distributed under the License is distributed on an "AS IS" BASIS,
+WITHOUT WARRANTIES OR CONDITIONS OF ANY KIND, either express or implied.
+See the License for the specific language governing permissions and
+limitations under the License.
+*/
+
+package loader
+
+import (
+	"fmt"
+
+	"k8s.io/kubectl/pkg/kinflate/util/fs"
+)
+
+func GetLoader(location string) (Loader, error) {
+	switch {
+	case isFilePath(location):
+		return NewFileLoader(fs.MakeRealFS(), location)
+	default:
+		return nil, fmt.Errorf("unknown scheme: %v", location)
+	}
+}
+
+func isFilePath(location string) bool {
+	return true
+}
diff --git a/pkg/loader/fake/fakefileloader.go b/pkg/loader/fake/fakefileloader.go
new file mode 100644
index 000000000..1df7b2c0b
--- /dev/null
+++ b/pkg/loader/fake/fakefileloader.go
@@ -0,0 +1,36 @@
+/*
+Copyright 2018 The Kubernetes Authors.
+
+Licensed under the Apache License, Version 2.0 (the "License");
+you may not use this file except in compliance with the License.
+You may obtain a copy of the License at
+
+    http://www.apache.org/licenses/LICENSE-2.0
+
+Unless required by applicable law or agreed to in writing, software
+distributed under the License is distributed on an "AS IS" BASIS,
+WITHOUT WARRANTIES OR CONDITIONS OF ANY KIND, either express or implied.
+See the License for the specific language governing permissions and
+limitations under the License.
+*/
+
+package fake
+
+import "k8s.io/kubectl/pkg/loader"
+
+type fakefileLoader struct {
+	data []byte
+	err  error
+}
+
+// NewFakeFileLoader returns Loader which always returns byte array and an error.
+// Example: case no error: NewFakeFileLoader(yamlBytes, nil)
+// Example: case return an error: NewFakeFileLoader(nil, errors.New("forced error"))
+// Location parameter is unneeded because we always return data bytes or an error.
+func NewFakeFileLoader(content []byte, e error) (loader.Loader, error) {
+	return &fakefileLoader{data: content, err: e}, nil
+}
+
+func (l *fakefileLoader) Load() ([]byte, error) {
+	return l.data, l.err
+}
diff --git a/pkg/loader/fileloader.go b/pkg/loader/fileloader.go
new file mode 100644
index 000000000..91ce86b0c
--- /dev/null
+++ b/pkg/loader/fileloader.go
@@ -0,0 +1,35 @@
+/*
+Copyright 2018 The Kubernetes Authors.
+
+Licensed under the Apache License, Version 2.0 (the "License");
+you may not use this file except in compliance with the License.
+You may obtain a copy of the License at
+
+    http://www.apache.org/licenses/LICENSE-2.0
+
+Unless required by applicable law or agreed to in writing, software
+distributed under the License is distributed on an "AS IS" BASIS,
+WITHOUT WARRANTIES OR CONDITIONS OF ANY KIND, either express or implied.
+See the License for the specific language governing permissions and
+limitations under the License.
+*/
+
+package loader
+
+import (
+	"k8s.io/kubectl/pkg/kinflate/util/fs"
+)
+
+type fileLoader struct {
+	fs fs.FileSystem
+
+	path string
+}
+
+func NewFileLoader(fs fs.FileSystem, path string) (Loader, error) {
+	return &fileLoader{fs: fs, path: path}, nil
+}
+
+func (l *fileLoader) Load() ([]byte, error) {
+	return l.fs.ReadFile(l.path)
+}
diff --git a/pkg/loader/fileloader_test.go b/pkg/loader/fileloader_test.go
new file mode 100644
index 000000000..2461e3e76
--- /dev/null
+++ b/pkg/loader/fileloader_test.go
@@ -0,0 +1,54 @@
+/*
+Copyright 2018 The Kubernetes Authors.
+
+Licensed under the Apache License, Version 2.0 (the "License");
+you may not use this file except in compliance with the License.
+You may obtain a copy of the License at
+
+    http://www.apache.org/licenses/LICENSE-2.0
+
+Unless required by applicable law or agreed to in writing, software
+distributed under the License is distributed on an "AS IS" BASIS,
+WITHOUT WARRANTIES OR CONDITIONS OF ANY KIND, either express or implied.
+See the License for the specific language governing permissions and
+limitations under the License.
+*/
+
+package loader
+
+import (
+	"reflect"
+	"testing"
+
+	"k8s.io/kubectl/pkg/kinflate/util/fs"
+)
+
+func TestFileLoaderHappyPath(t *testing.T) {
+	fakefs := fs.MakeFakeFS()
+	location := "foo"
+	content := []byte("bar")
+	fakefs.WriteFile(location, content)
+	l, err := NewFileLoader(fakefs, location)
+	if err != nil {
+		t.Fatalf("unexpected error: %v", err)
+	}
+	b, err := l.Load()
+	if err != nil {
+		t.Fatalf("unexpected error in Load: %v", err)
+	}
+	if !reflect.DeepEqual(b, content) {
+		t.Fatalf("expected %s, but got %s", content, b)
+	}
+}
+
+func TestFileLoaderFileNotFound(t *testing.T) {
+	fakefs := fs.MakeFakeFS()
+	l, err := NewFileLoader(fakefs, "path/does/not/exist")
+	if err != nil {
+		t.Fatalf("unexpected error: %v", err)
+	}
+	_, err = l.Load()
+	if err == nil {
+		t.Fatal("expected error in Load, but no error returned")
+	}
+}
diff --git a/pkg/loader/loader.go b/pkg/loader/loader.go
new file mode 100644
index 000000000..d6f2fd3cf
--- /dev/null
+++ b/pkg/loader/loader.go
@@ -0,0 +1,21 @@
+/*
+Copyright 2018 The Kubernetes Authors.
+
+Licensed under the Apache License, Version 2.0 (the "License");
+you may not use this file except in compliance with the License.
+You may obtain a copy of the License at
+
+    http://www.apache.org/licenses/LICENSE-2.0
+
+Unless required by applicable law or agreed to in writing, software
+distributed under the License is distributed on an "AS IS" BASIS,
+WITHOUT WARRANTIES OR CONDITIONS OF ANY KIND, either express or implied.
+See the License for the specific language governing permissions and
+limitations under the License.
+*/
+
+package loader
+
+type Loader interface {
+	Load() ([]byte, error)
+}