Advertiser Disclosure: SwiftFunds Capital LLC is a financial education and referral service — not a lender. We do not make credit decisions, set interest rates, or guarantee loan approval. We may receive compensation when you are connected with a lender. Loan products are subject to independent lender terms, credit approval, and applicable state & federal regulations. See our Terms & Privacy Policy.
Financial Intelligence

SwiftFunds Capital —
A Complete Guide
to Business Funding

We demystify the business loan process, educate entrepreneurs on financing options, and connect you with the right lenders to accelerate your growth.

Start Your Application Explore Services

Advertiser Disclosure: SwiftFunds Capital is not a lender. We provide financial education and may receive compensation when you connect with a lender through our network. Loan approval and terms are determined solely by the lender.

$2.4B+

Loans Facilitated†

15,000+

Businesses Helped†

48hrs

Avg. Lender Match†

97%

Client Satisfaction†

† Figures reflect estimated cumulative activity across our lender referral network and internal client surveys. Results vary by business. SwiftFunds Capital LLC does not guarantee loan approval, specific loan amounts, interest rates, or timelines.

About Us

Redefining How Small Businesses Access Capital

SwiftFunds Capital LLC was founded on a simple conviction: every business owner deserves a clear, honest path to the funding they need — without the jargon, frustration, or wasted time.

Headquartered in Agoura Hills, California, we are an independent financial education and referral company serving entrepreneurs across the United States. Our team has decades of combined experience in commercial lending, financial consulting, and small business development.

We do not lend money ourselves. Instead, we arm you with knowledge, prepare your application, and introduce you to a curated network of vetted lenders — from traditional community banks to innovative fintech platforms — so you can secure the best terms possible.

Our Mission: Helping you learn how to quickly obtain a business loan for your company — empowering entrepreneurs with clarity, speed, and the right connections.

Whether you are launching a new venture, expanding operations, purchasing equipment, or managing cash flow, SwiftFunds Capital is your strategic partner at every stage of the funding journey.

Business Growth Trajectory
10+ Years of Financial Expertise
50+ Lending Partners Nationwide
All 50 States Served
A+ Business Ethics Rating

Marcus Reynolds

Founder & CEO

Former VP of Commercial Lending at Pacific Western Bank with 18 years in business finance. Marcus founded SwiftFunds Capital to democratize access to business funding for underserved entrepreneurs.

Daniela Perez

Chief Financial Officer

CPA and former senior analyst at Goldman Sachs. Daniela oversees our lender network relationships and ensures clients receive the most competitive terms available in the market.

James Kowalski

Head of Client Education

MBA from USC Marshall School of Business. James developed our proprietary financial literacy curriculum and leads all client education sessions and workshops nationwide.

Sofia Almeida

Director of Lender Relations

15 years experience in fintech partnerships. Sofia manages our network of 50+ lending institutions, continuously evaluating new partners to expand client options and improve outcomes.

What We Do

Funding Solutions Designed for Real Businesses

From financial education to lender matchmaking, every service we offer is built to accelerate your path to capital.

SwiftFunds Capital is not a lender. We may receive referral compensation when you connect with a lender through our network. This does not affect our guidance.

Business Loan Education

Master the mechanics of business lending. We break down every loan type, lender criteria, and approval factor so you apply with confidence and precision.

You Get One-on-one coaching, written loan guide, video tutorials, application templates, and a glossary of financial terms
For First-time borrowers, startups, and any business owner who wants to understand the lending landscape
Timeline Education program completed in 1–2 weeks at your own pace

Lender Matchmaking

Access our exclusive network of 50+ verified lenders — SBA-approved banks, credit unions, CDFIs, and fintech platforms — matched precisely to your business profile.

You Get Curated lender shortlist, direct introductions, comparative term analysis, and ongoing support through closing
For Businesses ready to apply with 6+ months of operating history and a clear funding purpose
Timeline Lender match delivered within 48 hours of profile completion

Financial Health Assessment

We audit your business financials and credit profile, identify gaps, and create a concrete improvement roadmap — so lenders see you at your strongest.

You Get Detailed creditworthiness report, financial ratios analysis, cash flow review, and a 90-day improvement plan
For Businesses that have been declined before or want to optimize their profile before applying
Timeline Assessment delivered within 5 business days

Application Preparation

Our specialists help you compile, organize, and present a complete, compelling loan package that meets every lender requirement and tells your business story powerfully.

You Get Document checklist, business plan review, executive summary drafting, and pro forma financial statements
For Any business applying for SBA loans, term loans, lines of credit, or equipment financing
Timeline Package ready in 3–7 business days depending on complexity

Working Capital Strategy

Optimize your short-term financing mix — from invoice factoring to merchant cash advances and revolving credit — so your operations never stall due to cash flow gaps.

You Get Cash flow projection model, financing matrix comparison, and a prioritized draw-down schedule
For Seasonal businesses, high-growth startups, and companies with 30–90 day receivable cycles
Timeline Strategy session and report delivered within 1 week

Ongoing Financial Mentorship

Beyond the initial loan, we provide quarterly financial reviews, refinancing guidance, and strategic advice to help you build lasting financial resilience and scale confidently.

You Get Quarterly strategy calls, annual financial review, access to our client community, and priority lender introductions
For Established businesses with growth ambitions seeking a long-term financial partner
Timeline Ongoing monthly engagement, cancel anytime
Testimonials

What Our Clients Say

★★★★★
"SwiftFunds Capital changed the game for my restaurant expansion. Within 72 hours of submitting my profile I had three lender options on the table. Absolutely incredible service."
Roberto Jimenez Owner, La Mesa Restaurant Group — Los Angeles, CA
★★★★★
"I had been turned down by two banks before I found SwiftFunds. They helped me understand exactly why and fix it. Six weeks later, I had a $250,000 SBA loan approved."
Tanya Williams Founder, TW Logistics LLC — Atlanta, GA
★★★★★
"The financial health assessment alone was worth every penny. Marcus and his team identified two critical issues in my books that were killing my creditworthiness. Fixed. Funded. Done."
Brian Nakamura CEO, Pacific Rim Manufacturing — Seattle, WA
★★★★★
"As a minority-owned business I always felt the system was stacked against me. SwiftFunds introduced me to a CDFI lender I'd never heard of and we closed $180K in under 30 days."
Angela Carter Owner, Carter Design Studio — Chicago, IL
★★★★★
"The application preparation service is phenomenal. I submitted a package that was polished, complete, and professional. First lender I sent it to approved me in 11 business days."
Paul Koller Managing Partner, Koller & Sons Construction — Denver, CO
★★★★★
"I enrolled in the mentorship program after my first loan and it's been transformative. My debt service ratio improved by 40% over two years. These people genuinely care about your success."
Linda Morales President, Morales Healthcare Staffing — Miami, FL

Testimonial Disclosure: Testimonials reflect individual client experiences and are not necessarily representative of all clients. Specific outcomes including loan amounts, timelines, and approval results depend on individual business creditworthiness, lender criteria, and market conditions. Results shown are not guaranteed and may not be typical.

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Knowledge Center

Financial Insights for Growing Businesses

Expert articles to help you navigate the business lending landscape with confidence.

Walking into the world of business financing without a map is a recipe for confusion — and potentially costly mistakes. The landscape of business loans is vast, varied, and deliberately complex. Lenders count on borrowers being uninformed. At SwiftFunds Capital, we believe knowledge is your greatest negotiating asset.

1. SBA 7(a) Loans — The Gold Standard

The Small Business Administration's 7(a) loan program is the most popular government-backed loan in the United States. With loan amounts up to $5 million and repayment terms of up to 25 years for real estate, these loans offer some of the most competitive interest rates available. They are ideal for working capital, equipment purchases, or business acquisition.

The catch: the approval process is thorough. Expect to provide three years of business and personal tax returns, a detailed business plan, and financial projections. Strong credit (680+) and two or more years of operating history significantly improve approval odds.

2. SBA 504 Loans — For Fixed Assets

Designed specifically for major fixed-asset purchases like commercial real estate or heavy equipment, the 504 program offers long-term, fixed-rate financing at below-market rates. Loan amounts can reach $5.5 million, with the SBA guaranteeing 40% of the loan through a Certified Development Company (CDC).

3. Business Term Loans — The Classic Option

A conventional term loan from a bank or online lender provides a lump sum you repay over a set period with fixed or variable interest. These loans work well for specific, one-time investments with a clear ROI — like renovating a location or launching a product line.

4. Business Lines of Credit — Flexible Working Capital

Think of a business line of credit as a financial safety net. You are approved for a maximum credit limit and only draw — and pay interest on — what you use. This revolving structure makes it ideal for managing seasonal fluctuations, covering payroll during slow periods, or jumping on unexpected opportunities.

5. Equipment Financing — Let Assets Pay for Themselves

Equipment loans allow you to finance machinery, vehicles, or technology with the equipment itself serving as collateral. This structure typically enables higher approval rates even for younger businesses. Terms usually align with the equipment's useful life, keeping payments predictable.

6. Invoice Factoring & Financing — Unlock Receivables Now

If your business is profitable on paper but cash-strapped because clients pay in 30–90 days, invoice financing can bridge the gap. You sell or borrow against outstanding invoices and receive 70–90% of their value immediately, with the remainder (minus fees) paid when your client settles.

7. Merchant Cash Advances — Fast but Expensive

MCAs provide a lump sum in exchange for a percentage of future daily credit card sales. They are fast to obtain — sometimes in 24 hours — but factor rates (not APRs) can translate to effective annual rates of 50–300%. MCAs should be a last resort, not a go-to strategy.

SwiftFunds Insight: Most businesses qualify for multiple loan types simultaneously. The right choice depends on your credit profile, revenue history, collateral, and how you plan to deploy the capital. Our advisors will help you identify the optimal structure before you apply.

Business credit and personal credit are distinct but related. Most small business lenders will evaluate both. Improving your business credit score is not an overnight process, but with a focused strategy you can make meaningful improvements in 90–180 days.

Step 1: Establish Your Business Credit Identity

If your business does not yet have a DUNS number (Dun & Bradstreet), an EIN, a dedicated business bank account, and a business phone line listed in directory services — stop everything and set these up first. These are the foundational building blocks that business credit bureaus (D&B, Experian Business, Equifax Business) use to track your company.

Step 2: Open Trade Lines That Report

Not all vendors report your payment history to business credit bureaus. Seek out vendors in the "Starter Tier" — companies like Uline, Grainger, Quill, and Nav that offer Net-30 terms and report monthly. Make purchases, pay in full before the due date, and watch your profile grow.

Step 3: Reduce Personal Credit Card Utilization

Many lenders will pull your personal credit as part of the underwriting process. If your personal credit card utilization exceeds 30%, your personal score is likely taking a hit that bleeds into lender perception. Pay down balances strategically — ideally to below 10% utilization on each card.

Step 4: Dispute Errors on All Three Business Reports

Pull your business credit reports from D&B, Experian Business, and Equifax Business. Errors are more common than most business owners realize. Outdated addresses, incorrect industry classifications, and misattributed derogatory marks can all suppress your score unnecessarily.

Step 5: Maintain Consistent On-Time Payment

Payment history is the single most influential factor in your business credit score. Set up autopay for every recurring business obligation — loans, leases, utilities, and vendor accounts — to eliminate any risk of late payments.

  • Aim for a Paydex score of 80+ (D&B's equivalent of paying on time)
  • Target an Experian Business Intelliscore of 76+ (low risk category)
  • Keep your Equifax Business Credit Risk Score above 550
  • Monitor all three bureaus quarterly for changes and errors

Step 6: Separate Business and Personal Finances Completely

Commingling personal and business finances is one of the most common mistakes we see. It muddies your business cash flow picture, complicates tax filings, and raises red flags for lenders. Open a dedicated business checking account, get a business credit card, and route all business transactions exclusively through business accounts.

SwiftFunds Insight: Our Financial Health Assessment service includes a full credit audit across all three major business bureaus, a dispute filing service for errors, and a personalized 90-day improvement roadmap tailored to your specific lending goals.

The SBA loan process has a well-earned reputation for being documentation-intensive. But the comprehensive nature of the review is precisely what makes SBA-backed loans so competitively priced — lenders can offer better rates because the government reduces their risk. Here is your master checklist, category by category.

Business Documentation

  • Business license and all applicable permits
  • Articles of incorporation or organization
  • Operating agreement or bylaws
  • Business ownership documents (stock certificates, membership certificates)
  • Franchise agreements (if applicable)
  • Any existing commercial leases
  • List of all business owners with percentage ownership and contact info

Financial Statements

  • Business tax returns — 3 years (IRS Forms 1120, 1120-S, or 1065)
  • Personal tax returns for all owners with 20%+ ownership — 3 years
  • Year-to-date profit and loss statement (within 90 days of application)
  • Balance sheet — current and prior two year-ends
  • Accounts receivable and payable aging reports
  • 12 months of business bank statements
  • Existing business debt schedule (lender, balance, monthly payment, maturity)

Personal Financial Information

  • SBA Form 413 — Personal Financial Statement for each owner 20%+
  • Current personal credit report authorization (lender will pull this)
  • Resume or biography demonstrating relevant business experience

Business Plan & Projections

  • Executive summary (1–2 pages) describing your business and funding purpose
  • 12-month cash flow projection
  • 3-year income statement projection with supporting assumptions
  • Market analysis demonstrating demand for your product or service
  • Management team bios and organizational chart

Loan Purpose Documents

  • Signed purchase agreement (for acquisition or real estate loans)
  • Equipment quotes or invoices (for equipment financing)
  • Contractor bids (for construction or renovation projects)
  • Inventory purchase orders (for inventory financing)

SwiftFunds Insight: Our Application Preparation service handles all of this for you. We have pre-built document collection systems, professional financial statement templates, and experienced writers who craft compelling executive summaries that frame your business in the best possible light. Most clients report that our preparation cut their stress level in half and their approval time by 30–40%.

Get In Touch

Ready to Secure Your Business Funding?

Fill out the form and one of our funding specialists will contact you within one business day to discuss your situation and outline the best path forward.

Our Office 30738 Lakefront Dr, Agoura Hills, CA 91301
Hours Monday–Friday: 8:00 AM – 6:00 PM PST

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Your Privacy Matters

By submitting this form, the information you provide will be processed by SwiftFunds Capital LLC in accordance with our Privacy Policy. We use your data to respond to your enquiry and match you with suitable lenders. We do not sell your personal data to third parties.

SwiftFunds Capital LLC is not a lender and does not make credit decisions. Submitting this form does not constitute a loan application. We may receive compensation if you are matched with and obtain funding from a lender in our network.

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