Is Swift Capital a direct funder or a broker?

Swift Capital is a direct funder — they underwrite and deploy capital from their own balance sheet (or institutional credit facility), not by routing your file to other lenders. This matters because direct funders are accountable for the terms they quote.

What's the minimum revenue Swift Capital will fund?

Swift Capital's published floor is $10,000 in average monthly revenue, with 6 months minimum time in business. Credit score floor is 550+. These are box minimums — actual approval requires bank statements showing consistent daily deposits and acceptable NSF history.

How fast can Swift Capital fund?

Swift Capital's public speed quote is Funding in 1 – 3 days. In practice, clean files (consistent revenue, no NSFs, no second position) fund at the fast end of that range. Files needing additional documentation, second-position deals, or larger amounts ($250K+) take longer.

Should I go directly to Swift Capital or through a broker?

Going direct gets you a single quote with no broker commission baked into the factor rate. Going through a broker (like Fundnode) gets you scored against multiple funders, including Swift Capital, with full disclosure of how we earn. There's no universal right answer — but if you only want one quote, going direct saves the broker's cut.

Swift Capital Review 2026 — Rates, Terms, Honest Verdict

Best for: Alternative small-business financing with multi-product fit. Amount range: $5,000 – $500,000. Speed: Funding in 1 – 3 days. Below: the rate card, the watch-out, alternatives we'd compare against, and the honest verdict.

TL;DR

Swift Capital ranks #80 in our 2026 funder ranking. Best for b-paper merchants who've been declined by top fintech alternatives and want a direct relationship with multi-product options. The strength: Multi-product alternative lender — MCA, term loans, LOC. The watch-out: Less brand recognition than top alternative lenders.

Swift Capital rate card 2026

Category	MCA + multi-product
Best for	Alternative small-business financing with multi-product fit
Amount range	$5,000 – $500,000
Cost (factor / APR)	Factor 1.20 – 1.45; term loan 12-28% APR
Speed to fund	Funding in 1 – 3 days
Min time in business	6 months
Min monthly revenue	$10,000
Min credit score	550+

The strength — what Swift Capital does better than anyone

Multi-product alternative lender — MCA, term loans, LOC. Direct funder. Will accept B-paper applicants other lenders decline.

The watch-out — what Swift Capital doesn't put in marketing

Less brand recognition than top alternative lenders. Term loan APRs at high end can exceed MCA equivalent costs for short-duration use.

Who Swift Capital is best for

B-paper merchants who've been declined by top fintech alternatives and want a direct relationship with multi-product options.

Who shouldn't apply

Merchants ranking solidly above Swift Capital's box may want to apply to OnDeck or Credibly first for cheaper money. Established multi-location operators may get better terms at OnDeck or NewCo Capital Group. As with any MCA decision, the cheapest money is the money you don't borrow — start with the calculator at /calculator to see if the deal you'd take from Swift Capital actually makes sense.

How Swift Capital compares to the rest of the top 10

Funder	Category	Cost	Speed
Swift Capital (this funder)	MCA + multi-product	Factor 1.20 – 1.45; term loan 12-28% APR	Funding in 1 – 3 days
Credibly	MCA + multi-product	Factor 1.11+ (MCA); APR varies for term + LOC	As fast as 4 hours
Greenbox Capital	Multi-product	Factor varies; published up to 19% ISO commission	24 – 48 hours
Accord Business Funding	MCA specialty	Factor varies by paper grade (often 1.40+)	Next-day for approved files
Bluevine	LOC	APR 6.2% – 27%	1 – 3 business days
OnDeck	Term + LOC	Term APR 27%+; LOC APR 30%+	Same-day for approved files

What to ask Swift Capital before signing

"What's the APR-equivalent on this deal?" A funder who can't or won't quote it has something to hide. Required disclosure in five states as of 2026.
"Is there a prepayment discount?" Some funders charge the full factor regardless of payoff speed. Get the discount in writing before you sign.
"What's the reconciliation policy if my revenue drops?" The best funders adjust the daily ACH downward when deposits drop. Many won't. Ask in writing.
"Will you stack on top of an existing position?" Stacking is one of the top reasons MCA merchants default. If a funder accepts second/third position freely, that's a yellow flag for the merchant.

Frequently asked questions

Is Swift Capital a direct funder or a broker?: Swift Capital is a direct funder — they underwrite and deploy capital from their own balance sheet (or institutional credit facility), not by routing your file to other lenders. This matters because direct funders are accountable for the terms they quote.
What's the minimum revenue Swift Capital will fund?: Swift Capital's published floor is $10,000 in average monthly revenue, with 6 months minimum time in business. Credit score floor is 550+. These are box minimums — actual approval requires bank statements showing consistent daily deposits and acceptable NSF history.
How fast can Swift Capital fund?: Swift Capital's public speed quote is Funding in 1 – 3 days. In practice, clean files (consistent revenue, no NSFs, no second position) fund at the fast end of that range. Files needing additional documentation, second-position deals, or larger amounts ($250K+) take longer.
Should I go directly to Swift Capital or through a broker?: Going direct gets you a single quote with no broker commission baked into the factor rate. Going through a broker (like Fundnode) gets you scored against multiple funders, including Swift Capital, with full disclosure of how we earn. There's no universal right answer — but if you only want one quote, going direct saves the broker's cut.
What's Swift Capital's biggest weakness vs alternatives?: Less brand recognition than top alternative lenders. Term loan APRs at high end can exceed MCA equivalent costs for short-duration use.

Swift Capital — honest 2026 review.