Swift Line Capital is creative funding marketplace that helps small businesses acquire funding in order to start or scale their business. By submitting one application, Swift Line Capital's team will pair one or multiple funding solutions based on qualifications, goals, and timelines when it comes to needing capital. All without the headaches, confusion or risk of denials from the big banks.

We assist clients in obtaining 0% APR business credit cards and credit lines, which offer a low-cost funding solution for up to 12-18 months, depending on the issuer. These 0% cards help establish business credit and it does not negatively impact your personal credit score through higher utilization unlike personal cards.

We can provide working capital loans as fast as 24 hours. To qualify, we would need to show at least $15,000 a month in total revenue on at least 3 month bank statements and can go as low as a 550+ FICO credit score. We can provide as high as $350,000 in a line of credit to have access to when you need.

Our business term loans provide a lump sum of capital with fized repayments over a specific term (typically 1-5 years). These amounts range from $25,000 - $500,000.

Our SBA loans are best for well qualified businesses seeking long term, low rate funding. Although a lenghtier applicaiton process as this can take 2-6 weeks, it provides the absolute longest terms with lowest rates ranging from $50,000 - $5,000,000 in working capital. Must be in business 2+ years, good financials with a 680+ credit score. We do offer SBA loans for start ups as well.

Entrepreneurs, small business owners, real estate investors and individuals looking for accessible and low-cost funding to start or expand their business can benefit from our services.

Swift Line Capital helps clients get access to funding through a variety of loan types ranging from: 0% interest credit card stacking, business lines of credit, business term loans, merchant cash advance (MCAs), SBA loans, equipment loans and more. Swift Line's team can help easily match up the best lending solutions, rates, and terms in order to help reduce confusion, headache or the risk of denials in order to get the funds necessary to grow or start your business.

Although Swift Line Capital is not directly a hard money lender, we do offer these through our preferred partners. Fill out this form and our team can provide a soft quote to provide terms and rates for our hard money lending options: https://api.leadconnectorhq.com/widget/form/juGCwnfUbCEugNgvDnrj

Our 0% credit funding offers an interest-free period with an initial interest free period of 12-18+ months and options to extend as long as 3-5 years. These offer flexible payment terms, and no immediate cost of capital, making it an ideal solution for strategic cash flow management while minimizing both risk and unnecessary expenses such as interest payments. Unlike other lending alternatives, these are revolving lines of credit meaning you can borrow from the money again and again and you may choose to spend it however and whenever you please.

Yes, we are a performance based company meaning we only have a fee if we can actually fund you or your business. Our fees range based on type of lending product and total amount of funding. We offer both an upfront fee which typically comes out to around 3% of the total amount funded or we have a performance success fee which can range in percentages based on the total amount funded. Our average customer spends roughly $5,000 which receives $100,000 - $200,000+ in interest free capital for 12-18+ months.

Since Swift Line Capital helps provide a variety of funding solutions, these all range in requirements and timeline. Many funding solutinos (business lines of credit, term loans, MCA's) can have approvals andf unding within 24-72 hours. Our 0% interest program can take anywhere from 2-6 weeks as well as our SBA loan program.

Depending on the loan type, if there are strong bank statements and business financials, a 500+ credit score may qualify. For our 0% interest funding program, we recommend a 700+ credit score. We can provide credit enhancement in order to boost scores to qualify which can take anywhere from 14 days to 4+ months depending on how much optimization is required.

Yes, we would help with a liquidation process. Think of a cash advance, but without the expensive fees and limits on how much you can access. Our liquidation process starts at a 3% fee (to cover credit card processing fees) and you can liquidate up to 95% of the card's total credit limit. This provides cash in your bank account to use towards down payments, payroll, to pay contractors, or anything else.

After the 0% APR period ends, the interest rate will revert to the standard APR set by the credit card issuer. These interest rates spike up which can be 18% or greater. We advise clients to have a repayment plan to avoid higher interest costs. If you still need more time it's best to do a simple balance transfer balance transfer at the end of this period which avoids interest rates. This transfers the debt off the expiring card to a new one which grants another 12-18+ months interest free all over again.

Swift Line Capital offers works side by side with the banking institutions. The benefit is that we have access to banks all across the nation in order to recommend and offer the best of all words depending on the type of loan, institution, region of the country you live and and ultimately having a bigger variety of options working with any bank, rather than being limited to what you may have personal access to. These provide higher limits and a wider range of benefits as we can be selective on who to work with specialized 0% credit card funding services designed for fast access and flexibility, while banks may provide conventional loans that have different terms and application processes.

Yes, we offer comprehensive support and guidance to ensure our clients understand and maximize the benefits of their credit and higher limits for approval. Our goal is to not only provide funding for our clients but teach them how it can be achieved over and over again on their own.