Important Information About Financing Options
Swiftline Capital believes clarity matters. Financing decisions should be made with a clear understanding of how different products work, what they are designed for, and what they are not designed to do.
The information below outlines important disclosures related to alternative financing, lending relationships, and the role Swiftline Capital plays in the funding process.
Swiftline Capital is not a bank and does not directly lend in all cases. We operate as a financing platform and advisory intermediary that connects borrowers with third-party lenders, financing partners, and capital providers.
Loan terms, approval decisions, and funding timelines are determined by the lender or financing provider, not Swiftline Capital.
All financing is subject to underwriting, verification, lender guidelines, and final approval.
No Guaranteed Approvals or Terms
Submitting an inquiry or application does not guarantee approval, funding, or specific loan terms.
Rates, fees, advance amounts, repayment structures, and eligibility criteria vary by product, lender, borrower profile, and market conditions.
Any examples provided on the site are illustrative only and should not be interpreted as guaranteed outcomes.
Some financing options offered through Swiftline Capital, including merchant cash advances, revenue-based financing, working capital products, and certain short-term loans, are not traditional loans.
Marketing and Lead Generation
Increase ad spend, expand campaigns, or fund sales team efforts that create immediate revenue lift.
Merchant cash advances are not loans. In an MCA structure, a financing provider purchases a portion of future receivables at a discount.
Repayment is generally tied to business revenue and may be collected through daily or weekly remittances.
MCA products may carry higher total repayment amounts compared to traditional loans and should be used primarily for short-term needs with a clear repayment or refinancing plan.
Real estate financing options may involve risks, including market volatility, valuation changes, rental income variability, construction delays, and refinancing risk.
Short-term real estate loans, bridge loans, and construction loans often require a defined exit strategy, such as sale or refinance. Failure to execute the exit plan may result in higher costs or default.
Borrowers are responsible for conducting their own due diligence regarding property value, market conditions, and project feasibility.
Swiftline Capital provides SBA loan advisory support only. SBA loans are issued by approved lenders and partially guaranteed by the U.S. Small Business Administration.
Swiftline Capital does not make credit decisions on SBA loans and cannot guarantee SBA approval or funding timelines.
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