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4.8 out of 5Excellent on Trustpilot
BBB AccreditedA+ rating
NMLS 2542478Licensed

Get up to $5,000,000 for your business in as little as 24 hours

Answer 5 quick questions and see the funding your business actually qualifies for. No paperwork to start. No impact to your credit score. No obligation to accept.

Checking won't affect your credit Takes about 60 seconds $0 cost to see options
Step 1 of 6⏱ About 60 seconds
Step 1 of 6

How much funding do you need?

Pick the closest amount — your specialist will fine-tune it.

🔒 Bank-level encryptionNo credit impactNo obligation
$10K - $5MFinancing amounts range
60 secondsPrequalify time
24-48 hrsTypical time to funding
A+ RatedBBB Accredited since 2023
Why Swish

Business funding without the runaround

Banks take weeks and say no. We take minutes and tell you exactly where you stand.

Fast & easy

Approved in minutes, funded in as little as 24 hours. Our application needs minimal paperwork — usually just three months of bank statements — so your money isn't held up by a filing cabinet.

Flexible & affordable

Access $10,000 to $5,000,000 across five funding types, with repayment terms up to 2 years. You help shape the payment so it fits what your business can actually carry each month.

Available & friendly

You get a real funding specialist who treats you like a human, not a transaction — reachable 7 days a week. Ask us anything before you commit to anything.

Funding Options

Five ways to fund your business

One short application matches you to the option that fits — you're never locked into a single product.

$10K – $5M

Revenue-Based Financing

Payments flex with your sales. Slow month, smaller payment. Ideal for seasonal businesses that don't want a fixed monthly hit.

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$10K – $5M

Term Loans

A lump sum with fixed, predictable payments up to 2 years. Best when you know exactly what you're spending and want a clear payoff date.

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$10K – $5M

Merchant Cash Advance

Get cash now against future card sales. Fast approval with lighter credit requirements — built for retail, restaurants, and service businesses.

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$10K – $5M

Short-Term Loans

Bridge a gap in weeks, not years. Cover payroll, an urgent repair, or a bulk inventory buy and pay it back on a short, clear schedule.

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Draw as needed

Business Line of Credit

Get approved once, draw whenever you need it, and only pay for what you use. The safety net that sits there until the day you need it.

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Not sure?

Let us figure it out

Most owners don't know which product they need — that's our job. Answer 5 questions and we'll show you what actually fits.

Start my application →
How It Works

Everything's a long process. This isn't.

Three steps between you and funded. Most owners finish the first one before their coffee gets cold.

1

Answer 5 questions

About 60 seconds, no documents, no credit pull. You'll see your estimated range before you give us a phone number.

2

Get real options

A specialist reviews your file and brings back the offers you actually qualify for — laid out side by side, in plain English.

3

Get funded

Pick the offer that works. Money can be in your business account as soon as the next business day.

Start My Application →

No cost · No obligation · Won't affect your credit score

Recent Fundings

Real businesses. Real amounts.

A sample of what we've funded recently across industries.

$407,000
Oil & Gas Exploration
Expansion
$325,000
Auto Mechanic
Working Capital
$242,000
Medical Office
Expansion
$200,000
Enterprise Services
Working Capital
$150,000
Home Builder
Working Capital
$54,600
Bowling Alley
Working Capital
$30,000
Cleaning Service
Payroll
$23,000
Clothing Company
Inventory
What Owners Say

The part banks don't do

Independently verified on Trustpilot — not testimonials we picked out ourselves.

4.8
Rated Excellent
on Trustpilot
BBB AccreditedA+ rated since 2023
4.8 out of 5 on Trustpilot

Loading our latest verified reviews. You can also read them all on Trustpilot.

Do I Qualify?

You probably qualify for more than you think

We approve businesses that banks turn down every day. Here's the honest bar:

3+ months in businessNot years. If you've been operating a season, start the application.
$10,000+ in monthly revenueWe look at cash flow first, credit second. Consistent deposits matter more than a perfect score.
A business bank accountSo we can verify revenue and deposit your funds. That's it — no collateral required for most programs.

What we'll ask for later

Nothing up front. Once you're matched, a specialist will typically request:

Your 3 most recent bank statements
A voided business check
Photo ID for the owner
Check My Options →

Takes 60 seconds · No credit impact

Questions

The things owners actually ask us

Will this hurt my credit score?
No. Filling out this form and seeing your options involves no hard credit inquiry, so your score is unaffected. If you decide to move forward with a specific offer, that lender may run a hard pull at that point — and you'll be told before it happens.
How fast can I actually get the money?
Approval decisions often come back in minutes. Funding typically lands in 24 to 48 hours once your file is complete. The most common delay is waiting on bank statements — have your last three ready and you'll move at the fast end of that range.
What if my credit isn't great?
We look at your business's cash flow first. Consistent revenue and healthy deposits carry more weight here than a credit score, which is why we fund plenty of owners who've been declined by a bank. It's worth 60 seconds to find out rather than assuming.
Does it cost anything to apply?
Nothing. There's no application fee and no cost to see what you qualify for. You're under no obligation to accept any offer we bring you.
What will it cost me to borrow?
Cost depends on your revenue, time in business, industry, and which product fits. Rather than quote a range that may not apply to you, your specialist will show you the total dollar cost and the payment schedule in writing before you sign anything. If a number ever feels vague, ask them to put it in dollars — good funders will.
I already have an advance. Can I still get funding?
Often, yes — and in many cases refinancing an existing advance into a single, cheaper position is the smarter move. Tell your specialist what's outstanding and they'll tell you honestly whether adding a position makes sense for your business or not.
What documents do I need to start?
None to start — the form on this page is all it takes to see your options. To finalize funding you'll typically need your three most recent business bank statements, a voided business check, and a photo ID.
Who is Swish Funding?
Swish Funding, LLC (NMLS ID 2542478) is a business funding company serving small and mid-sized businesses nationwide. We're a BBB Accredited Business with an A+ rating and hold a 4.8 out of 5 score on Trustpilot. We provide revenue-based financing, term loans, merchant cash advances, short-term loans, and lines of credit from $10,000 to $5,000,000. Reach us at (800) 918-0530 or hello@swishfunding.com.

Find out what you qualify for
before you need it

Sixty seconds now beats scrambling later. No cost, no obligation, and no impact to your credit score.

See My Funding Options →Or call (800) 918-0530

Funding specialists available 7 days a week

See My Funding Options →