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Swift Capital Working Capital Review

Anne Miller

Anne Miller

Senior Author

Anne Miller

Senior Author

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Swift Capital Working Capital ReviewToday, there are more small businesses launching in America than ever before! In efforts to help these business owners get their feet off the ground, financial entities, like Swift Capital, offer their financial services to help finance or provide the extra capital needed to stimulate a larger profit and revenue. With over 11 years in the industry, Swift Capital has built a reputation potentially worthy of your consideration. Here is our review.


Unlike other small business lenders, the working capital application process is easy and responsive. As the name implies, the company acts quickly. The most notable benefit of Swift Capital is the wealth of information and tools that are available on their website. On top of this, the company is accredited by the Better Business Bureau.


The biggest downside to Swift Capital Review is the wealth of negative reviews referencing their customer service. Many who have either applied or enrolled in their services, mention that representatives and specialists were rude and disrespectful. On top of this, it’s imperative to read the fine print of your contract, before signing any documents. This company is known to use loopholes or sneak fees into contracts.

Loan and Lender Information

Swift Capital is a financial entity that offers small business loans under short-term contracts and terms. The company began in 2006, launching in Delaware. Today, the company offers its services nationwide, helping thousands of small businesses, just like you. As far as their services, Swift Capital offers two different main products: Swift Capital Business Advance and Loan Builder Small Business Loans. There is a wealth of information and tools on their website regarding both of their services, and what may be best for you. Be sure to do your research and study the rates and fees before considering applying.

Rates and Fees

In order to apply to swift capital, it’s important to take into consideration the rates, fees, and qualifications. First and foremost, a company may not apply for a loan through Swift Capital unless they have been operating for 12 months, obtain a minimum credit score of 500, and make $100,000 per year. If you meet these requirements, it’s on to the rates and fees!

Small business owners may only request between $5,000-$500,000 from Swift Capital, under a term length of 3-12 months. In accordance to their website, the loan about will be attributed to roughly 10%-15% of what your company generates. You can anticipate a standard flat-fee of x1.099-x1.429, depending upon the loan itself. On top of this, you will be charged an initial fee of 1%-2.5% – don’t forget that! Aside from these rates and fees, we do advice all applicants to look into the APR and collateral required.

Application Process

The process to apply for Swift Capital’s services is quick and easy. In fact, all it requires is a 5-minute application, which can be found on their website. The application will ask questions referencing your business and other important information. You may be asked to submit bank statements and other identification methods, just as a heads up. From there, you should hear back relatively quickly in regards to your approval. If you are approved, the funds will be available for your company in 1-2 days.


After further analyzation of Swift Capital, it’s clear that they do offer some impressive services and speedy response times. However, it should be known that there is a vast number of businesses that have claimed negative experiences with Swift Capital, making it discouraging for any other small businesses. If you do choose to work with this company, it’s advised to do so with caution and awareness.

Anne Miller

Anne is a Senior Author for SBL. She began her career as an independent consultant for local businesses after graduating with a BA in Management. Since that time, she’s expanded to writing as well as consulting to spread helpful knowledge to small business owners across the country.


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