Swiftfund

Cheshire-based MCA specialist, the trading name of Bizlend Limited. Requires £20k monthly card-machine turnover. Strong Trustpilot footprint for category, with funds typically released inside 48 hours.

Quick routing verdict

  • Product: Merchant cash advance.
  • Ticket band: £10k to £500k.
  • Decision time: Same day to 48 hours.
  • Pricing: Factor rate, quoted at offer.
  • Soft search at quote stage: no credit-file footprint.

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
Lender accepts other structures, FundBiz routing is Ltd-only
Last reviewed
2026-05-08

Why we route here

  • 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.

When we route elsewhere

  • 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, the FundBiz post-decline matcher routes by decline reason. Common alternatives in our panel are listed in the "When we route elsewhere" section above. See also our Swiftfund decline runbook for sector-specific routing detail.

Other panel lenders

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.

Run the matcher

Tell us your turnover, sector and ticket size. We score against Swiftfund and the wider FundBiz panel, then surface the lenders most likely to approve. Limited companies, LLPs and partnerships of 4+ only.

Open matcher →

Last reviewed: 2026-05-08. By Oliver Mackman.

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Soft credit search · Decision in 24-72 hours · Limited companies, LLPs and partnerships of 4+