Swift Capital Small Business Advance Review

Rating: 9.3 / 10 (Excellent)
Disclosure: We receive advertising revenue from this partner. 
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Swift Capital is a Delaware-based company founded in 2006 to provide small businesses with working capital advances. They're committed to offering fast funding and personalized service, and have been recognized by the J.D. Power Certified Contact Center Program. Swift Capital is a BBB-accredited company with an A+ rating, and a five-star score with TrustPilot.

How is Swift Capital rated?


Loan Options
Application Process
Rates & Fees

Overall Rating: 9.3 / 10 (Excellent)

Swift Capital scores well with us because, as invoice financing companies go, they are much more up front about their fees and rates. The company offers a payment schedule for each client that is transparent, predictable, and easy to understand. Swift offers a high maximum lending amount of $500,000, a one time loan "price" expressed as a percentage, and an origination fee stretched out into fixed weekly payments. Approval is fast, qualification is not stringent, and their reputation for customer service and speed is excellent. Swift Capital, however, only provides invoice financing. Should you need the flexibility of other options you'll have to look for a provider of multiple small business loan products.

Loan Options

Available Loan Types

SBA Loans
Term Loans
Lines of Credit
Invoice Financing
Merchant Cash Advances
Equipment Loans

Invoice Financing

Min Loan Amount
Max Loan Amount
Min Term Length
3 months
Max Term Length
12 months
Repayment Terms
Fixed weekly payments

Loan Options - 9 / 10

Swift Capital is a lender that provides invoice financing loans for small businesses. With a $500,000 limit, the company offers one of the highest maximums in the small business loan sector when it comes to invoice financing. Swift also features standard terms of 3 months to a year. Repayments are made in fixed, weekly installments and are straightforward and easy to understand.

Swift Capital Rates & Fees

Invoice Financing

Fees: Factoring fees start at 9.9% (this is not the same as an APR). It essentially ranges between 1.09 - 1.4 times your borrowed amount. The shorter the payback term, the higher the effective APR. There is also a 1%-2.5% origination fee.

Rates & Fees - 8.9 / 10

Swift is more upfront than most online small business lenders about their rates. They express their rate as a "price" percentage that is charged to the entire amount of the loan. These percentages represent 1.09 to 1.4 times the loan. There is also an additional origination fee of 1%-2.5%. Both of these charges are added to the principal then cut into equal weekly, predictable premiums depending on the loan's term. All of this translates roughly into a 29% APR or lower depending on qualifying rate and term. Although this may seem high, it is actually on the average to low side within the world of invoice financing.

Application & Qualifications

Online Application
Approval Time
Funding Time
As little as 1 business day
Min. Years In Business
1 year(s)
Min. Annual Revenue
Min. Credit Score

Application Process - 9.5 / 10

Swift Capital has an online approval process that is faster than most. What's more, customers can get funded in as little as 1 business day. The company's qualification standards are not very restrictive either. Swift requires a minimum 500 credit score, a yearly income of $100,000, and at least 1 year in business. This makes Swift an ideal choice for businesses who have outstanding accounts receivable and less than ideal credit who need fast access to as much as $500,000.

Swift Capital Reputation

Customer Feedback

TrustPilot Score
9.5 out of 10
BBB Rating
BBB Positive Reviews
BBB Neutral Reviews
BBB Negative Reviews
Date Collected

Reputation - 9.8 / 10

Swift has among the best reputations for consumer satisfaction among the companies we evaluate. Most of the praise centers around their speed of funding, attentiveness, and positive experiences with customer service personnel. The company carries a high 9.5 out of 10 score on Trustpilot. It is also BBB-accredited, with an A+ and 80% positive reviews.

Contact & Additional Information

Homepage URL
Company Phone
(888) 923-0007
Headquarters Address
3505 Silverside Rd, Wilmington, DE, 19810
Year Founded

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Top Rated
Our Partner
9.6 / 10
  • Our #1 Choice: A+ BBB Rating - 9.4 of 10 on TrustPilot
  • Largest Small Business Online Lender - 50k+ Customers
  • Loans up to $500k, and Lines of Credit up to $100k
  • Decision in minutes - no obligation
  • Funding in as fast as 24 hours
  • Must have 100k in revenue, minimum 12 mo in business, 500+ Fico