Swishfund

Who is Swishfund? 

Swishfund is a lender, providing UK businesses with cash flow loans. They’re members of the Federation of Small Businesses (FSB) and the National Association of Commercial Finance Brokers (NACFB). Additionally, Swishfund is a carbon-neutral company and is accredited with the Cabinet Office’s Customer Service Excellence Standard.

What funding products does Swishfund offer?

Swishfund offers short term loans aimed to help ease your business cash flow. They’re designed to provide quick decisions and fast service.

Here’s what you can expect from a Swishfund loan:

• Receive your funding within 24 hours of decision

• Human advisors, no chatbots, to guide you through the process

• Borrowing terms from 3 to 12 months

What could you use a Swishfund loan for? 

Here are some example uses for a Swishfund cash flow loan:

• Managing irregular cash flow or seasonal variations

• Handling long payment terms that strain your cash flow

• Supporting expansion plans or growth initiatives

• Covering unexpected bills

• Meeting working capital needs

• Purchasing assets and stock

• Growing headcount

What do you need to be eligible to apply for a cash flow loan with Swishfund? 

To qualify for a Swishfund cash flow loan, your business must meet the following criteria:

• Annual turnover over £50,000

• Operating for at least 12 months

• Registered at Companies House

• Have a business bank account

You’ll need to provide the following documents to apply:

• 12 months business bank statements

• Last set of full accounts

How much could you borrow with a Swishfund loan?

Swishfund offers loans from £5,000 up to £1 million. The amount your business can borrow will depend on factors such as your business credit score, and how much money your business makes each year. 

To get an estimate of how much your business could afford to borrow, you can use our business loan calculator. This will give you an idea of what your monthly repayments would be, based on how much you want to borrow and how long you want to borrow it for.

Top tip: Having a good business credit score improves the likelihood of your business being approved for a business loan and your chance of accessing better interest rates. Make sure to check your business credit score and review it to maximise your chances of a successful application.