Swiftpine Loans is a broker, not a lender. It takes a business funding request, talks it through with the owner and passes it to independent funding partners, who decide.
Swiftpine Loans is a broker, not a lender. Funding partners review requests, may check credit and set any terms. A merchant cash advance is not a loan. Worked payments are invented; Census figures name their source.
The broker role: Swiftpine Loans passes a request on and never funds it
Swiftpine Loans does not lend money, advance funds or buy receivables. It hears what a business needs the money for, then sends the request to independent funding partners whose products may fit. Any agreement is between the business and the partner.
Yes, no and the terms of any offer come from the funding partner
Each partner runs its own review and decides whether to make an offer. The rate or factor, fees, term, payment schedule and any collateral or lien are the partner’s terms. Swiftpine Loans promises no approval, amount, rate or timing, and nothing on this site is an offer of credit.
Future card sales bought at a price set up front: the merchant cash advance
A merchant cash advance is not a loan. A provider buys a share of a business’s future card sales for a price fixed when the contract is signed, and collects it as a percentage of those sales or as a set debit. It carries no annual interest rate; its cost is the gap between the total collected and the sum advanced.
Where a credit check can come in
The short request on this site asks for contact and business basics and is not an application for credit. A funding partner may check personal or business credit as part of its own review. An owner can ask the partner what it checks before agreeing to go ahead.
Worked payments are illustrations; county and ZIP counts come from the Census Bureau
Payment examples on these pages use invented figures and say so; they are not quotes. County and ZIP figures come from U.S. Census Bureau programs, named with their year beside each number, and describe the area they cover rather than any single business.
Requests that fall outside Swiftpine Loans
Swiftpine Loans does not arrange funding for agriculture, trucking companies, startups without revenue, real estate purchases or building construction loans, personal loans or consumer debt. Contractors and other operating businesses can send a request for equipment, stock, payroll gaps and similar costs.
By Swiftpine Loans · Updated