SwiftFunds is a trusted provider of working capital solutions for small businesses across the U.S. Our mission is to provide fast, flexible, and accessible financing to help entrepreneurs grow and manage their businesses with confidence.
SwiftFunds works with businesses across hundreds of industries, including retail, healthcare, construction, and more. We specialize in providing funding to businesses that may not qualify through traditional lenders. By evaluating your real-time business performance rather than solely relying on credit scores, we can deliver financing solutions tailored to your needs.
Revenue-based financing gives businesses access to upfront capital in exchange for a set amount of their future revenue. Payments are made daily or weekly as a fixed percentage of your business’s incoming revenue, allowing for flexibility in times of lower cash flow. Learn more at whatisrevenuebasedfinancing.com.
Revenue-based financing doesn’t use traditional interest rates , so there’s no true APR. Instead, you agree to a fixed total repayment amount upfront, which remains the same regardless of how long it takes to repay. This structure allows for flexibility if your business’s revenue fluctuates over time.
With SwiftFunds, you receive a lump sum of capital (minus a processing fee) and agree to repay a fixed amount of future revenue. The total repayment amount depends on your business’s unique situation, including cash flow, industry, and financial history. We pride ourselves on transparency — all costs and repayment are clearly outlined in your contract before you move forward.
To qualify for funding from SwiftFunds, your business must meet the following minimum requirements:
- Be based in the United States
- Have at least 1 year of operating history
In some cases, our underwriting team may extend eligibility to businesses that don’t meet every listed requirement, depending on your overall profile.
Our application process is simple and quick. To get started, you'll need to provide:
- Owner’s full name and Social Security Number (SSN)
- Business name and Tax ID (EIN)
- Bank statements from the past few months
We only ask for essential information to evaluate your funding eligibility efficiently.
Applying with SwiftFunds includes a soft credit inquiry for the business owner, which does not affect your personal credit score. We also perform a hard inquiry on your business credit, which may impact your business credit score.
Most applicants receive an approval decision within a few hours. If you submit your application during normal business hours, you may even receive approval the same day.
Applications submitted after hours are typically reviewed the following business morning.
We support a wide range of industries—including higher-risk sectors like construction and trucking. However, we do not provide funding for businesses involved in:
- Adult entertainment
- Gambling or gaming
- Firearms or weapons sales
- Illicit or controlled substances
If you're unsure whether your industry is eligible, feel free to contact our support team for clarification.
SwiftFunds’ online application process is designed for speed and ease. Most applicants complete it in less than 10 minutes.
If your application is approved before 3:00 PM ET, you may be eligible for same-day funding via wire transfer (fees may apply). Otherwise, funds are typically deposited via ACH the next business day.
Funding amounts are determined based on several key factors, including:
- Your business’s average monthly revenue and cash flow
- Time in business
- Personal and business credit history
We tailor financing to meet your business needs while ensuring responsible repayment options.
SwiftFunds' financing is designed to complement traditional bank funds. As long as you meet our eligibility requirements, we may still be able to provide funding—even if you currently have a funds with a bank or another lender.
We understand that many businesses utilize multiple sources of capital to support growth and manage operations, and our revenue-based financing can work alongside other financial obligations.
While you’ll be asked to indicate how you plan to use your funding during the application process, SwiftFunds does not place restrictions on specific business uses—as long as they are legal and for business purposes.
Common uses include:
- Purchasing inventory
- Repairing or upgrading equipment
- Business renovations or expansion
- Managing cash flow or reducing existing debt
- Handling unexpected or emergency expenses
However, please note that SwiftFunds financing may not be used for personal, family, or household purposes under any circumstances.
Applying for financing with SwiftFunds requires a soft pull on the owner's personal credit and a hard pull on business credit. This will not impact personal credit but may impact business credit.
Once working capital is received, SwiftFunds reports the customer’s performance against their agreement to Experian Business Credit on a monthly basis. This reporting simply reflects whether a customer is in good standing or poor standing.
- Good Standing: Making payments or committed to a payment plan. If revenue drops and you notify us, we will adjust payments in line with revenue and you’ll remain in good standing. This can help build your business credit history.
- Poor Standing: No payments made for 30+ calendar days and no payment plan in place. Adjusting payments due to revenue changes won’t affect your standing, as long as you're actively communicating and cooperating with us.
SwiftFunds considers a customer engaged if they are communicating with our Account Servicing team, providing requested information (e.g., bank statements), and actively working towards a solution.
Please note that Experian Business Credit uses its own proprietary algorithm to determine credit scores. SwiftFunds simply reports customer status—we do not influence the scoring model.
For support, contact our Account Servicing team at +1 516-276-6066, Monday through Friday, 9 AM to 8 PM Eastern Time.
When a customer receives revenue-based financing from SwiftFunds, they agree to provide a portion of their future revenue. As a funder, SwiftFunds is authorized to share relevant account information with credit reporting agencies, as outlined in our standard customer agreement.
It’s not only credit issuers that report to credit bureaus—many businesses such as utilities, landlords, and employers report data that may influence credit scores. Experian Business Credit incorporates traditional and non-traditional data into its credit score models.
SwiftFunds only reports to business credit bureaus. We do not report any activity to personal credit reporting agencies.
You are considered in good standing with SwiftFunds if:
- You are actively making payments, or
- You are committed to a payment plan with our Account Servicing team.
We also consider customers engaged if they are working with our Account Servicing team, providing requested documentation, or actively working toward a resolution.
If you’ve made a payment or committed to a plan in the last 30 calendar days, you will be reported as in good standing.
As part of your revenue-based funding agreement, SwiftFunds will automatically debit your business bank account based on the agreed amount and schedule. Any adjustments needed can be managed with the help of our Account Support team.
Unlike traditional funds, SwiftFunds offers flexible revenue-based financing, typically repaid over a shorter period of 3 to 12 months. Frequent payments help us better understand your business performance and provide proactive support when needed.
Yes, you can pay your remaining balance at any time without penalties. In certain cases, SwiftFunds may offer a discount for early payoff—check with your Account Executive to review your specific payback.
Most customers become eligible for renewal after paying down approximately 50% of their current balance, subject to good payment history. Your Account Executive will notify you when you're eligible to apply for additional funding.
You’ll have access to a secure online portal where you can monitor your funding details, view your balance, check payment history, and track renewal eligibility. For further help, our support team is always ready to assist.
If your business circumstances change and you need to adjust your payments, reach out to our Account Support team. We’ll work with you to explore available options that fit your needs.
Yes! Our experienced Account Executives are available Monday–Friday from 9:00 AM to 8:00 PM. You can reach us by phone or email for any assistance you need.
No. SwiftFunds does not process debits on U.S. bank holidays. If a payment falls on a holiday, it will be skipped and resumed on the next business day without any double debits.
To request a payoff letter, please contact your dedicated Account Executive. They’ll provide the necessary documentation and assist you through the process.
The states of Virginia, California, Utah, New York, Florida, Georgia, Kansas, Connecticut, and Missouri have enacted laws that require commercial financing providers like SwiftFunds to provide state-specific disclosure forms with each customer contract.
We have adjusted our process and requirements accordingly for each state to ensure compliance and to help our partners and customers navigate any changes to how they work with us.
Learn more about our commitment to compliance on the SwiftFunds.
While the specifics of future legislation remain uncertain, SwiftFunds remains committed to supporting small businesses with transparency and integrity.
We actively participate in industry discussions to:
- Educate legislators about revenue-based financing and its role in helping small businesses grow.
- Stay informed on potential regulations to better support our customers and partners through any changes.
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