SWIFT SBF HOLDINGS, LLC is a financing partner and affiliate with various banks. We are a preferred network lender.

Same-Day Funding is only available in certain states, for term loans up to $100K. Eligibility window is Monday – Friday before 10:30 a.m. ET. If checkout is done before 10:30 a.m. ET, funds will be available by 5 p.m. local time the same day. If checkout is done after 10:30 a.m. ET, or on a weekend or bank holiday, it will not qualify for Same-Day Funding and funds will be deposited within 2 – 3 business days.

Instant Funding requires registration and is subject to the Instant Funding Terms & Conditions. Instant Funding is limited to open lines of credit for draws between $1,000 – $10,000, and you can only make one draw request per day. Not all banks or debit card providers participate, and you must register a business debit card matching the information associated with your Swift SBF account. Transfers are typically completed within 30 minutes, but may be subject to additional restrictions or delays.

There are some industries we cannot serve (see list of restricted industries). In addition, Swift SBF does not lend to businesses in North Dakota. Other underwriting requirements may apply.

When you prepay your term loan in full, we will apply a discount on remaining unpaid interest based on the Prepayment Interest Reduction Percentage stated in your loan agreement.

Eligibility for the lowest rates is very limited, available only to businesses with the strongest creditworthiness and cash flows, and typically businesses that have shown an excellent payment history on prior loan products with Swift SBF. The average rate for term loans is 56.1% APR and the average rate for lines of credit is 55.9% APR. Averages are based on loans originated in the half-year ending March 31, 2024.

Depending on your state and other circumstances of your application, you may be required to make a minimum draw of $1,000 at origination.

Depending on the state where your business is located and other attributes of your business and the loan, your business loan may be issued by a member of the Swift SBF family of companies or by Celtic Bank. Your loan agreement will identify the lender prior to your signing. Loans subject to lender approval.

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