An Overview of Swift Fund
Swift Fund is a UK business finance provider that specializes in short term unsecured working capital advances and merchant cash advances. Swift Fund is a trading name of Bizlend Ltd (Companies House number 11608105), which was formerly known as Stamford Business Finance. Operating under its parent group, BizLend, the provider delivers business funding solutions directly to commercial borrowers across the UK via its website (https://swiftfund.co.uk).
Because commercial cash advances are unregulated in the UK, Swift Fund does not hold an FCA authorization. Business owners researching providers should also note that an unrelated entity named Swift Fund Rise (swiftfundrise.com) was issued an FCA clone warning notice in February 2026. This warning does not apply to Swift Fund (Bizlend Ltd).
Business Finance Products Offered
Swift Fund focuses on providing short term unsecured cash flow solutions to support everyday operational needs. The main product specialism offered by Swift Fund is the merchant cash advance (MCA).
Key details of the finance offered by Swift Fund include:
- Merchant Cash Advances: Business funding linked to daily customer card transactions. Repayments are structured as automatic deductions from card sales, allowing repayments to flex alongside daily turnover.
- Working Capital Advances: Short term unsecured cash injections designed to cover business expenses and operational growth. Repayments can be processed via daily direct debits or automated card deductions.
- Rapid Approvals: Swift Fund provides rapid funding approvals to ensure businesses can access capital when required.
Funding amounts range from a minimum deal size of £10,000 up to a maximum deal size of £1,000,000.
Key Facts and Product Summary
| Feature | Details |
|---|---|
| Provider Name | Swift Fund |
| Legal Entity / Trading Name | Bizlend Ltd (Companies House 11608105) |
| Also Known As / Formerly | Stamford Business Finance |
| Parent Group | BizLend |
| Primary Product | Merchant Cash Advance (MCA) |
| Minimum Deal Size | £10,000 |
| Maximum Deal Size | £1,000,000 |
| Minimum Trading History | 6 months |
| Minimum Monthly Turnover | £20,000 |
| Sole Trader Availability | Not published |
| Access Method | Direct |
Who Swift Fund Suits and Eligibility Criteria
Swift Fund is tailored for small and medium-sized enterprises seeking short term unsecured working capital. Rather than requiring physical assets for collateral, approval depends heavily on daily trading activity and turnover performance.
To qualify for funding through Swift Fund, a business must meet the following criteria:
- Trading History: The business must have been operating for at least 6 months.
- Turnover Requirement: The business must generate a minimum monthly turnover of £20,000.
- Location: The business must be an SME based in the UK.
Whether Swift Fund provides merchant cash advances to sole traders is not published by the company. Applicants should verify entity requirements directly during the enquiry process.
How to Apply for Swift Fund Finance
Access to Swift Fund products is direct. Business owners can request funding by submitting an application online via the official website at https://swiftfund.co.uk.
When applying directly, businesses will need to provide information on their operational history, monthly sales turnover, and payment processing setup to assist Swift Fund with evaluating the facility request.
Comparing Business Finance Options with SME Money
Finding the right short term working capital solution requires looking beyond a single provider to ensure the facility structure, repayment terms, and costs suit your cash flow. While Swift Fund offers merchant cash advances directly, evaluating wider market options helps you make an informed financial decision.
SME Money connects UK businesses with specialist finance brokers who search over 70 lenders across the market. Working with a specialist broker ensures you receive impartial choice without single-bank bias, helping your business secure the right commercial funding facility.