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Superfast Loans for Business Growth
Borrow up to £500,000 – receive funds within 24hrs of approval
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By entrepreneurs, for entrepreneurs

The world of business has changed. But when it comes to lending, most financial institutions are stuck in the dark ages. Despite numerous examples of bedroom businesses becoming billion-dollar behemoths within a decade, banks use the same old assessment criteria for credit applications.

Cashflow is King: we see it, and we raise it

The Swishfund lending model starts and ends with cashflow. We make a loan offer based on the operating performance of your business over the last year, with minimal conditions. Whatever your current size or future aspirations, if your cashflow indicates a solid business model, we’ll help you take it to the next level. Fast.

“Cashflow drives every business. Swishfund helps you keep your foot on the gas.”

Swishfund in a nutshell

Swishfund affords you the freedom to grow your business at the pace you want, not the pace your cashflow dictates, through easy access to flexible financing. We provide short to mid-term loans to companies that need to borrow money quickly, without the traditional fuss, deliberation and outdated conditions that are at odds with the fast-moving age of the start-up.

Easy and Fast

Apply in just 10 minutes.
Get a decision quickly, based on our advanced assessment model
Once approved, the money will be in your account in 24 hours
Weekly repayments, looking after your cash flow.

Swishfund is incredibly proud to be accredited with Cabinet Office’s Customer Service Excellence Standard. We place customer experience at the centre of everything we do; and strive for efficient, effective, excellent and empowering customer service.  Please read “Our Promise” for our commitments to you, our customers.  Watch this space! As we are looking forward to providing you with ever-improving, market-leading, predictive and delightful customer experiences.

Swishfund is a carbon neutral business. Not all our customers can be carbon neutral, and we like those customers too. However, we have a discount programme to help SME customers become or stay carbon neutral. For more details, please ask your Account Manager.

Swishfund is delighted to be an Affiliate Member of the Credit Services Association (‘CSA’), and to adhere to the CSA Code of Conduct.  We understand that small businesses like you, our customers, may encounter cash follow difficulties from time to time.  By supporting you through these difficulties, and providing a range of repayment options, we can help your business survive, revive and thrive.  Our loan servicing and special servicing is simple, clear and less stressful for our customers, and we aim to continually improve our customer care.

Pre-application checklist

Swishfund looks at your current operating performance not your business plans, setting minimal conditions. Only your performance over the last year is important. We decide a credit line based on the past 12 months cash flow.
Annual Turnover over £50k
Operating for at least 12 months
Registered at Companies House
Business bank account
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Swishfund Commercial