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 routing verdict

  • Product: Unsecured term loan.
  • Ticket band: £10k to £400k.
  • Decision time: Same day decision; funds 24 to 48 hours.
  • Pricing: 1.1% to 3% per month.
  • Soft search at quote stage: no credit-file footprint.

At a glance

Legal entity
Swishfund Ltd
Companies House
11180668
Founded
2018
Product
Unsecured term loan
Ticket range
£10k to £400k
Decision time
Same day decision; funds 24 to 48 hours
Ltd-only
Yes (FundBiz routes Ltd / LLP / partnerships of 4+ only regardless)
Last reviewed
2026-05-08

Why we route here

  • Low trading-history bar (one filed set of accounts).
  • £50k turnover floor is among the lower in the panel.
  • Three-minute application; same-day decisions.
  • No early repayment penalties.

When we route elsewhere

  • 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, 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 Swishfund decline runbook for sector-specific routing detail.

Other panel lenders

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.

Run the matcher

Tell us your turnover, sector and ticket size. We score against Swishfund 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+