Running a small business shouldn't feel like drowning in debt.
Swyft Advance provides flexible financing solutions in USA and Canada, including Merchant Cash Advances, Reverse Consolidation, Business Lines of Credit, and Equipment Financing. Designed to help businesses access capital quickly, improve cash flow, and support ongoing growth.
Merchant Cash Advances, Streamlined
Benefits That Matter to Your Business
Fast Access to Capital:
Get funding decisions quickly, with funds potentially deposited in as little as 24–48 hours.
Flexible Qualification Requirements:
Approval is based primarily on your business performance and revenue, not just credit score alone.
Use Funds for Any Business Purpose:
Cover payroll, inventory, marketing, equipment, expansion, seasonal needs, or unexpected expenses.
Simple Repayment Structure:
Payments are automatically remitted based on your agreement, helping simplify cash flow management.
No Hard Collateral Required:
Most programs do not require real estate or major business assets as collateral.
Designed for Growing Businesses:
Merchant cash advances can provide working capital solutions for businesses that may not qualify for traditional financing.
Who This Program Is For
Businesses that are currently:
- Looking for fast access to working capital.
- Managing seasonal cash flow fluctuations.
- Expanding operations, inventory, or staffing.
- Waiting on receivables or customer payments.
- Seeking an alternative to traditional bank loans.
- Needing flexible funding with a streamlined approval process.
How It Works
Step by Step
01
Apply Online
Complete a simple application and submit recent business bank statements for review.
02
We Review Your Business Performance
Our team evaluates your revenue trends, cash flow, and overall business activity to determine funding eligibility.
03
Receive Your Approval
Once approved, you’ll receive a funding offer with clear terms and payment structure.
04
Funds Are Deposited into Your Account
After documents are completed, funds can be deposited directly into your business bank account — often within 24–48 hours.
05
Repay Through Automated Remittances
Payments are made automatically through daily or weekly remittances based on your agreement, helping keep the process simple and predictable.
Real Example
Funding Amount::
$75,000
Business Type:
Restaurant
Time in Business:
2+ years
Challenge: Needed immediate working capital to purchase inventory, cover payroll, and complete equipment upgrades before peak season.
Solution: Swyft Advance provided fast funding with a streamlined approval process and manageable remittance structure.
Result: The business secured inventory in time for peak sales season, improved operational efficiency, and increased monthly revenue opportunities.
Reverse Consolidation, Simplified
Our weekly purchase program is designed to reduce the stress of stacked daily debits and help your business operate with more breathing room.
Benefits That Matter to Your Business
Immediate Cash Flow Relief:
Experience up to 50% reduction in your weekly payment obligations, freeing up vital capital for your business operations.
Simplified Financial Management:
Replace the chaos of multiple daily or weekly withdrawals with a single, predictable payment schedule.
No Collateral Required:
Our weekly buy program doesn’t require perfect credit or valuable assets as collateral.
Fast Approval Process:
Our streamlined approval process can have funds flowing to your account in as little as 24–48 hours.
Protection from Default Consequences:
Avoid bank account freezes, UCC liens on your receivables, and potentially devastating legal actions.
Path to Better Financing:
Stabilize your cash flow and position your business to qualify for more favorable financing in the future.
How It Works
Step by Step
01
Apply Online
Start with a simple application. We’ll review your business performance and take a close look at your current MCA obligations.
02
We Review Your MCA Stack
We assess how much you’re currently paying across multiple MCA providers and build a plan to help you manage it more efficiently.
03
Weekly Funds Are Deposited into Your Account
Once approved, Swyft Advance begins sending weekly deposits directly to your business bank account.
04
You Make One Manageable Payment to Swyft
A single daily or weekly remittance to Swyft Advance — often 25–50% less than what you were previously paying combined.
05
The Program Continues Until Your MCA Stack Is Covered
We continue weekly deposits until your MCA obligations are fully addressed. The structure remains stable and predictable throughout.
Real Example
Before Swyft Advance:
$1,516/day across three MCA providers
After Swyft Advance:
New weekly payment reduced to $4,250
Savings:
$3,330/week — a 44% reduction
Monthly freed-up capital:
$14,000+ for inventory, expansion, and operations.
Business Line of Credit, Made Easier
Benefits That Matter to Your Business
Flexible Access to Capital:
Draw only the funds you need, when you need them, instead of taking one large lump-sum loan.
Reusable Credit Line:
As balances are repaid, available credit may become accessible again for future business needs.
Improved Cash Flow Management:
Handle unexpected expenses, payroll, inventory purchases, marketing campaigns, or seasonal slowdowns with greater flexibility.
Fast Funding Availability:
Once approved, draws can often be transferred directly into your business bank account quickly.
Only Pay for What You Use:
You only utilize and repay the amount drawn from your available line of credit.
Supports Ongoing Business Growth:
A line of credit can provide continued access to working capital as your business expands and evolves.
Who This Program Is For
- Managing uneven or seasonal cash flow.
- Looking for flexible access to ongoing working capital.
- Covering short-term operational expenses.
- Purchasing inventory or equipment as needed.
- Seeking a financing option they can reuse over time.
- Wanting a financial safety net for unexpected business expenses.
How It Works
Step by Step
01
Apply Online
Complete a quick application and submit recent business banking documents for review.
02
We Evaluate Your Business
Our team reviews your business revenue, cash flow, and operational history to determine eligibility and credit limits.
03
Receive Your Credit Approval
Once approved, you’ll receive an available credit limit and funding terms tailored to your business profile.
04
Access Funds When Needed
Draw funds from your approved line of credit at any time based on your available balance.
05
Repay and Reuse Your Credit
As payments are made, available credit may replenish, allowing your business continued access to working capital.
Real Example
Approved Credit Line:
$100,000
Business Type:
Wholesale Distributor
Time in Business:
3+ years
Challenge: Fluctuating inventory demands and needed flexible access to capital without applying for financing repeatedly.
Solution: Swyft Advance provided a revolving business line of credit that allowed the company to draw funds as inventory needs changed throughout the year.
Result: Maintained steady inventory levels, improved vendor relationships, and gained ongoing access to working capital for future growth.
Equipment Financing, Simplified Solutions
Get the equipment your business needs now — without tying up valuable working capital or delaying growth opportunities.
Benefits That Matter to Your Business
Preserve Cash Flow:
Spread equipment costs over manageable payments instead of making a large upfront purchase.
Finance New or Used Equipment:
Funding may be available for a wide range of new and pre-owned business equipment.
Fast Approval Process:
Our streamlined process can help your business secure financing quickly so you can keep operations moving.
Maintain Working Capital:
Keep cash available for payroll, inventory, marketing, and day-to-day operational expenses.
Flexible Financing Options:
Programs may be tailored based on equipment type, business revenue, and operational needs.
Support Business Growth:
Upgrade outdated equipment, increase efficiency, expand production capacity, or invest in new opportunities.
Who This Program Is For
- Looking to purchase or upgrade business equipment.
- Expanding operations or increasing production capacity.
- Replacing outdated or inefficient equipment.
- Seeking to preserve cash flow while investing in growth.
- Needing fast financing for operational equipment needs.
- Wanting financing options outside of traditional bank loans.
How It Works
Step by Step
01
Apply Online
Complete a simple application and provide basic business and equipment information.
02
Submit Equipment Details
Share vendor quotes, invoices, or information about the equipment your business plans to purchase.
03
We Review Your Business Profile
Our team evaluates your business performance, revenue, and financing needs to determine eligibility.
04
Receive Your Approval
Once approved, financing terms are provided based on the equipment type and business qualifications.
05
Acquire Your Equipment
Funds are issued to complete the equipment purchase so your business can begin using the equipment quickly.
Real Example
Equipment Financed:
Commercial Kitchen Equipment
Business Type:
Restaurant Group
Time in Business:
4+ years
Challenge: Needed to upgrade aging kitchen equipment before opening an additional location but wanted to avoid using operating cash reserves.
Solution: Swyft Advance provided equipment financing that allowed the business to purchase and install upgraded equipment with manageable payments over time.
Result: The company expanded operations successfully, improved kitchen efficiency, and preserved working capital for staffing, inventory, and marketing.
Apply for Swyft Advance Reverse Consolidation Today.
With Swyft Advance, the road to responsible alternative funding is simple and fast:
- Complete the 3-step online application form at goswyft.com
- Receive approval within 24 hours (often as little as 3–4 hours)
- Submit documentation as requested by Swyft Advance
- Receive direct deposit from Swyft Advance
Our Clients Success Stories
