Swoop Funding Review
Swoop Funding is a UK credit broker, not a lender. It matches businesses with lenders for invoice finance, as well as loans, grants and equity. It says its lenders can pay up to 95% of an invoice's value, usually within 48 hours, for businesses with at least £30,000 of annual turnover. The lender you are matched with sets the price and terms, and Swoop is usually paid a commission by that lender.
What this page covers
This page covers
What Swoop Funding is, the invoice finance it can arrange, how it is paid, and when to go direct to a lender instead
Not covered here
Swoop is an intermediary, not a lender. For direct lenders see /providers/; for product education see /guides/.
Key Facts
Source: Swoop's invoice finance page and how Swoop works page, read 14 October 2026. Swoop Finance Ltd is authorised by the FCA as a credit broker (FRN 936513), as stated on its website.
How Swoop works
You fill in one business profile. Swoop uses it to find lenders, and other funders, that may suit you. Swoop does not fund your invoices itself. The lender you choose pays you, sets the advance rate and fees, and runs the facility.
Swoop says it typically receives a commission from the lender, either a fixed fee or a percentage of the amount you receive, and that different lenders pay different rates. For some lenders it says it may have influence over the interest rate. So ask Swoop what it will be paid, and what the full cost to you is, on any offer.
Who it suits
Swoop suits an owner who is still deciding between invoice finance, a loan, a grant or equity, and wants to see options in one place. If you already know you want invoice finance, also ask a lender directly. These lenders publish some of their terms:
| Lender | Published minimum turnover | Paid up front | Source |
|---|---|---|---|
| Bibby Financial Services | None published | Up to 85% | bibbyfinancialservices.com |
| Close Brothers Invoice Finance | £750k | Up to 90% | closeinvoice.co.uk |
| Ultimate Finance | None published | Up to 95% | ultimatefinance.co.uk |
| Time Finance | None published | Up to 90% | timefinance.com |
Figures as published on each lender's own website, checked 14 October 2026. None of these lenders publishes its fees.
Official site: Swoop Funding
Founder & Managing Director, Muswell Rose, founder and PSC of Best Business Loans Ltd
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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