Swiftfund
Cheshire-based MCA specialist, the trading name of Bizlend Limited. Requires £20k monthly card-machine turnover. Funds are typically released inside 48 hours.
Quick verdict
- Product: Merchant cash advance.
- Ticket band: £10k to £500k.
- Pricing: Factor rate, quoted at offer.
- Swiftfund says it uses a soft search at quote stage, which other lenders cannot see on your credit file.
At a glance
Swiftfund, at a glance
- Legal entity
- Bizlend Limited
- Companies House
- 11608105
- Founded
- 2018
- Product
- Merchant cash advance
- Ticket range
- £10k to £500k
- Decision time
- Same day to 48 hours
- Ltd-only
- No, the lender also accepts other structures
Where Swiftfund is strong
- Direct MCA underwriter, no broker layer.
- Funds typically inside 24 to 48 hours.
- Repayments scale with daily card sales.
- Accepts borrowers with light credit history.
Watch-outs, and when another lender may suit better
- Factor-rate quoting hides effective APR.
- Card-machine flow required; poor fit for B2B service businesses.
- Ticket floor of £10k.
- Trading name and underwriter name differ; expect paperwork in Bizlend Limited.
Best fit applicants
- Hospitality, retail, salons
- Businesses with £20k+ monthly card flow
- Borrowers needing 24-hour funding
Where Swiftfund is the wrong fit
- B2B service businesses
- Sub-£20k monthly turnover
- Long-term project finance
If declined by Swiftfund
If your application to Swiftfund is declined, ask the lender for the reason in writing. Some alternatives are named in the watch-outs section above. See also our guide to why lenders decline, by reason.
Other lenders we list
- 365 Business Finance, Merchant cash advance (revenue-based finance)
- Aldermore, Asset finance, invoice finance, commercial mortgages
- Allica Bank, SME term loan, asset finance + commercial mortgage
- Bizcap, Specialist post-decline / fast cash
How we rate Swiftfund
This review is FundBiz's own editorial assessment, scored against a published framework. See our methodology for how we rate each lender.
FAQ
What can I borrow through Swiftfund?
Swiftfund offers merchant cash advance. Ticket range: £10k to £500k. Typical rate: Factor rate, quoted at offer.
How long does Swiftfund take to decide?
Same day to 48 hours Swiftfund says checking eligibility uses a soft search, so it does not affect your credit score.
Who is Swiftfund the best fit for?
First on the list: Hospitality, retail, salons. The full list is under Best fit applicants above.
When might another lender suit better than Swiftfund?
First on the list: B2B service businesses. The other cases are under Where Swiftfund is the wrong fit above.
Send an enquiry
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Send an enquiry →Official site: Swiftfund
Last updated: . By Adam Parker. FundBiz is owned and operated by Best Business Loans Ltd, directed by Oliver Mackman.