Financing Categories

Educational descriptions of common categories

Each description below is general and educational. Product descriptions do not represent a financing offer, approval or commitment. Availability and terms are determined by the applicable independent provider following its own review.

Working Capital

Working capital financing is generally used to support operating expenses such as payroll, inventory, marketing, seasonal cycles or short-term operating gaps.

Who it may fit

Coverage for operating expenses or short-term gaps
Seasonal or cyclical businesses
Owners preparing for a defined-purpose initiative

Information commonly discussed

General business identification
Recent business bank statements when requested
Additional information depending on the category

How the enquiry process generally works

Working capital structures vary. During a consultation, we help you understand what information may be requested and what next steps typically look like.

Working capital availability and terms are determined independently by the applicable financing provider following its own review.

Business Term Financing

Business term financing generally refers to structured, fixed-term financing used for defined-purpose initiatives such as expansion, relocation, buildout or larger projects.

Who it may fit

Defined-purpose initiatives
Owners preferring structured, predictable repayment
Businesses with documented history and use-of-funds plans

Information commonly discussed

General business identification
Use-of-funds summary
Additional documentation depending on the provider

How the enquiry process generally works

During a consultation, we help you understand what documentation the applicable provider may request and how the enquiry process is typically organised.

Business term financing terms, rates and approvals are determined independently by the applicable financing provider.

Business Lines of Credit

A business line of credit is a revolving facility that generally allows businesses to draw funds as needed and repay to replenish availability.

Who it may fit

Ongoing working-capital needs
Businesses that value flexibility over a lump sum
Owners who want a standby resource for opportunities and gaps

Information commonly discussed

Recent business bank statements when requested
General owner information when a credit review applies
Additional documentation depending on the provider

How the enquiry process generally works

During a consultation, we help you understand what a line-of-credit enquiry typically involves and what information may be requested by the provider.

Line-of-credit availability, limits and terms are determined independently by the applicable financing provider.

Equipment Financing

Equipment financing generally refers to financing used to acquire or upgrade essential business equipment while preserving cash for operations.

Who it may fit

Capital equipment purchases or upgrades
Fleet, tools, machinery or specialised assets
Owners preserving cash for day-to-day operations

Information commonly discussed

Equipment quote or invoice when applicable
General business identification
Additional documentation depending on the provider

How the enquiry process generally works

During a consultation, we help you understand what information may be requested for an equipment financing enquiry.

Equipment financing terms, rates and availability are determined independently by the applicable financing provider.

Revenue-Based Financing

Revenue-based financing generally refers to structures that align repayment to a portion of ongoing business revenue.

Who it may fit

Businesses with consistent revenue activity
Owners who prefer revenue-based repayment structures
Situations where a fixed monthly payment is not the best fit

Information commonly discussed

Recent business bank statements when requested
General business identification
Additional documentation depending on the provider

How the enquiry process generally works

During a consultation, we help you understand how revenue-based structures generally work and what information a provider may request.

Revenue-based financing terms and availability are determined independently by the applicable financing provider.

Merchant Cash Advances

A merchant cash advance is generally structured as an advance against a portion of future receivables. It is not a loan.

Who it may fit

Businesses with consistent card processing or bank deposit activity
Owners exploring alternatives to fixed monthly loan payments
Situations where receivables-based repayment is a fit

Information commonly discussed

Recent business bank statements when requested
General business identification
Card processing statements when applicable

How the enquiry process generally works

During a consultation, we help you understand how MCA structures generally work and what information a provider may request.

Merchant cash advance products are advances against future receivables, not loans. Terms and availability are determined independently by the applicable provider.

Swift Capital Solutions LLC provides commercial-financing consultation and application-support services. Swift Capital Solutions LLC is not a lender and does not independently make underwriting, approval or financing decisions. Financing availability, approvals, amounts and terms are determined by the applicable financing provider. Submitting an enquiry does not guarantee approval or obligate you to proceed.

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