Alternatives to Swoop Funding
The 3 UK alternatives to Swoop Funding on this page are Hydr, Bibby Financial Services and Ultimate Finance. The table shows what each one publishes about minimum turnover, advance and fees, next to Swoop Funding, with a link to each provider's own website.
What this page covers
This page covers
UK invoice finance alternatives to Swoop Funding, compared on product type, minimum turnover, advance, fees, setup time and our rating
Not covered here
In-depth single-provider reviews (see /providers/), head-to-head comparisons (see /vs/), general invoice finance education (see /guides/)
Swoop Funding and the 3 alternatives side by side
| Compared on | Swoop Funding | Hydr | Bibby Financial Services | Ultimate Finance |
|---|---|---|---|---|
| Product | Funding marketplace (loans, grants, invoice finance) | Single-invoice finance (digital, selective) | Invoice finance (factoring, CID, ABL) | Invoice finance (factoring, CID), bridging, asset finance |
| Min turnover | £30k | No minimum | Not published | Not published |
| Advance | Up to 95% (funder dependent) | Up to 100% per invoice | Up to 85% | Up to 95% |
| Fees | Not published | Flat fee per invoice financed | Not published | Not published |
| Setup time (our guide) | 48 hours (payment after invoice submitted) | Same day to 1 working day | Not published | Within one week |
| Our rating (out of 5) | 4.0 | 4.2 | 4.4 | 4.3 |
| Source | swoopfunding.com | hydr.co.uk | bibbyfinancialservices.com | ultimatefinance.co.uk |
Minimum turnover, advance and fees are as published on each provider's own website, checked 1 October 2026. "Not published" means the provider does not say. Swoop Funding is a broker, not a lender: the figures depend on the lender you are matched with. Setup times are a guide from our records, not a promise from the provider. Ratings are our own view, not a figure from the provider (how we rate providers).
More on each alternative
- Hydr: Our Hydr profile · Swoop Funding vs Hydr · hydr.co.uk
- Bibby Financial Services: Our Bibby Financial Services profile · bibbyfinancialservices.com
- Ultimate Finance: Our Ultimate Finance profile · ultimatefinance.co.uk
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Adam is the founder and managing director of Muswell Rose and a founder of Best Business Loans Ltd, the company behind Market Invoice. He spent over three years as managing director of Penny, a UK invoice finance business, and his career runs through insurance, mortgages, commercial finance and fintech lending. He writes the Market Invoice library.
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