Swishfund
Peterborough-based UK SMB term lender, subsidiary of a Dutch parent group. £10k to £400k over up to 24 months for UK Ltd companies with one filed set of accounts and £50k+ turnover. Three-minute application, same-day decisions, funds inside 24 to 48 hours.
Quick verdict
- Product: Unsecured term loan.
- Ticket band: £10k to £400k.
- Pricing: 1.1% to 3% per month.
- Swishfund says it uses a soft search at quote stage, which other lenders cannot see on your credit file.
At a glance
Swishfund, at a glance
- Legal entity
- Swishfund Ltd
- Companies House
- 11180668
- Ownership checked
- 23 September 2026, against Companies House and published sources
- Founded
- 2018
- Product
- Unsecured term loan
- Ticket range
- £10k to £400k
- Decision time
- Same day decision; funds 24 to 48 hours
- Ltd-only
- Yes
Where Swishfund is strong
- Low trading-history bar (one filed set of accounts).
- £50k turnover floor is among the lower of the lenders we review.
- Three-minute application; same-day decisions.
- No early repayment penalties.
Watch-outs, and when another lender may suit better
- Cap of 24 months term limits utility for capex finance.
- Per-month rate quoting hides effective APR.
- Ltd-only, sole traders not eligible.
- Smaller UK brand awareness vs incumbents (Dutch parent).
Best fit applicants
- Newer Ltd companies (one filed accounts year)
- £10k to £400k working capital
- Borrowers prioritising decision speed
Where Swishfund is the wrong fit
- Sole traders
- Borrowing 25+ months
- Rate-sensitive long-tenor needs
If declined by Swishfund
If your application to Swishfund 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 Swishfund
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 Swishfund?
Swishfund offers unsecured term loan. Ticket range: £10k to £400k. Typical rate: 1.1% to 3% per month.
How long does Swishfund take to decide?
Same day decision; funds 24 to 48 hours Swishfund says checking eligibility uses a soft search, so it does not affect your credit score.
Who is Swishfund the best fit for?
First on the list: Newer Ltd companies (one filed accounts year). The full list is under Best fit applicants above.
When might another lender suit better than Swishfund?
First on the list: Sole traders. The other cases are under Where Swishfund is the wrong fit above.
Send an enquiry
Tell us what you need in 2 minutes. FundBiz is not a lender and does not run a credit check. We pass your enquiry to a business finance broker, who will contact you about your options. For limited companies, LLPs and partnerships with four or more partners.
Send an enquiry →Official site: Swishfund
Last updated: . By Adam Parker. FundBiz is owned and operated by Best Business Loans Ltd, directed by Oliver Mackman.