The team at Swishfund believe that small businesses succeed best when they are part of the community. Putting this into reality, Swishfund has a strong Corporate Social Responsibility program.
Building Brighter Futures with ootiboo
Our 2026 sponsorship is a donation to ootiboo which will support them in their mission to foster critical thinking, resilience, and problem-solving skills in children in the UK aged 5 to 11. ootiboo have been operating since 2022, and more information on them can be found on their website.
"A core value is that we are all part of the environment where we work"
Swishfund recognizes that time is as important as money. Our employees are encouraged to use office hours (when needed) to support their CSR-related activities.
Within Swishfund's small team, we have individuals who:
- Run an online Men's Health workshop program
- Charitable trustee for the Brentford Community Boat House, which provides access to rowing for children from state-schools
- Volunteer at Barnet Environmental Centre (part of Noah's Ark Childrens' Hospice)
- Lead a local youth church group
- Regularly carry out local litter-picking activities
Practical Learning Through Internships
Since 2019, Swishfund has offered year-round internship programs for selected ad hoc interns
(by invitation only) and in partnership with The Intern Group.
The program is designed to provide students with hands-on experience in front-office financial services or, where preferred, the opportunity to lead specific quantitative analysis projects.
Swishfund has long supporting been ESG-related activities too.
Here are a few of our previous activities in this space, supporting local and global communities:
- Becoming the first carbon neutral fintech lender in 2020
- Planting c.2500 trees in a year to help offset the carbon of our customers
- Campaigning the UK Government to provide partial guarantees for funding to environmentally responsible small businesses
- Developing a research project with 4Most Risk Consultancy investigating whether environmentally responsible businesses have better credit risk and should receive cheaper funding (answer: they should).
- Participating in the 2022 “Kickstart Scheme” for 16-24-year-olds on Universal Credit to get real-world training and experience in the workplace.
Business loans? Arranged quickly!
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Repayment term up to 24 months
Apply for £10,000 up to £400,000
Applications can take just 3 minutes.
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Do you have questions or need assistance with your business loan application? Our expert team is here to help.
We’re available on weekdays from 8:00a.m. to 6:00p.m.
Want to know more?
You can only use the loan to finance any legitimate business activities. Due to our very favourable early-settlement terms, Swishfund is the“perfect working capital bridge” for your financial needs. You can read more about our loan purposes here.
We only provide loan funds to limited companies that are registered at Companies House in the United Kingdom, and that have a business bank account. In addition, our customers must have a turnover of at least £50,000 in the past year, and have filed at least one set of Annual Accounts at Companies House.
For more information on the necessities for a loan application click here.
The application itself takes 3 minutes. After a working day, we will contact you by email or phone to discuss the first results. Based on this, we may request additional information. We strive to have the money in your business account within 24 hours for loans less than £75k, and within 3 working days for loans up to £400k.
For more information on the application process click here.
Once you have accepted an offer from us, there are a few Know-Your-Client steps that we must take, but for loans up to £75k we can have the funds in your bank within a couple of hours of your acceptance. For loans above £75k up to £400k, we can deposit the money into your business account within 48 hours.
The cost of your loan comprises a one-off arrangement fee and a monthly interest rate. The amount of these costs is a percentage and therefore depends on the amount you wish to borrow. The arrangement fee is added to the loan, so you do not need to make any payment to have your application assessed or to receive the funds.
The arrangement fee covers our marketing and operational costs. The amount of the arrangement fee may be split with your finance broker, if applicable.
The monthly interest is determined based on your company's risk profile and ranges between 1.1%-3% per month based on the total loan amount. You can read more about how interest is calculated here.
Yes, you can.
If you wish to make a bulk payment, we can (a) apply those funds to the end of the loan, thereby saving you some interest, or (b) apply those funds to the next few payments, pausing the direct debit until the funds are used up, or (c) reduce the amount of each of your future repayments.
You can always repay the whole of the loan earlier too. We do not charge any early settlement fees, but you still must pay the agreed interest to the end of the calendar month of settlement. We charge interest on a straight-line basis (rather than amortising like many other lenders), which means that we do not front-load the interest, and when you are halfway through the term of a Swishfund loan you will have repaid half of the amount you borrowed.