Steady capital for growing businesses.
Working & MCA capital management, reverse consolidation, lines of credit, and equipment financing — thoughtfully structured, funded in as little as 24 hours.
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Soft check only*Pick what you need. See your options in 60 seconds.
Three quick questions, no credit check. Then continue straight into the application with your answers filled in.
Four instruments, one goal: healthy cash flow.
Merchant Cash Advance
An advance against future sales, remitted as a share of revenue, so payments flex with your business.
Find my options →Reverse Consolidation
A funding partner buys a share of your future receivables and covers your existing advance payments each week, so you remit one lower amount.
Find my options →Line of Credit
Revolving access to capital. Draw only what you need, when you need it.
Find my options →Equipment Financing
Buy or upgrade equipment without draining your cash reserves.
Find my options →Read the guides: Merchant cash advance · Reverse Consolidation · Line of credit · Equipment financing · Bad credit funding · Canada · Trucking · Restaurants · Construction · Medical · Retail
Financing designed around your business.
Every business faces unique financial challenges and opportunities. Swyft Advance provides flexible financing programs designed to help businesses maintain healthy cash flow and continue growing with confidence.
- Funding available in as little as 24 hours
- Flexible financing tailored to your business needs
- Working capital for growth, operations, inventory, payroll, and equipment
- Simplified payment structures designed to support cash flow
- Approval based primarily on business performance, not just credit score
Who we help
Small and midsize businesses across Canada and the United States
Whether your business needs immediate working capital, flexible ongoing access to funding, equipment upgrades, or relief from multiple financing obligations, Swyft Advance is built to support your business goals.
Fast process. Flexible solutions. Ongoing support.
Apply online
Submit a simple application and your recent business bank statements.
We review
Our team reviews your business performance, cash flow, and financing needs.
Choose your offer
Receive customized funding options with clear terms and payment structure.
Get funded
Once approved, funds are deposited directly into your business account — often within 24–48 hours.
Capital that fits the way you operate.
Merchant Cash Advances, streamlined
Fast, flexible funding designed to help your business access working capital quickly — without the lengthy process of traditional bank financing. Read the full merchant cash advance guide →
Reverse Consolidation, explained
Carrying more than one merchant cash advance can tie up a large share of your revenue every week. Reverse Consolidation is a revenue-based program built for that situation. Like a merchant cash advance, it is not a loan: a funding partner purchases a portion of your future receivables and, in exchange, sends you a weekly disbursement that covers the payments on your existing advances. You remit one lower amount, tied to your revenue, over a longer term. Read the full Reverse Consolidation guide → Try the weekly savings calculator →
- ReviewYour advisor reviews your existing advances and their balances together.
- PurchaseA funding partner purchases a portion of your future receivables.
- Weekly disbursementYou receive a deposit from the funding partner each week.
- Cover existing advancesThat deposit goes toward the payments on your current advances.
- One lower remittanceYou remit a single, smaller weekly amount to the funding partner.
- FinishDisbursements continue until your existing advances are satisfied, then you complete the single remittance.
- Funding amount
- $75,000
- Business type
- Restaurant
- Time in business
- 2+ years
Challenge: Needed immediate working capital to purchase inventory, cover payroll, and complete equipment upgrades before peak season.
Solution: Swyft Advance provided fast funding with a streamlined approval process and manageable remittance structure.
Result: The business secured inventory in time for peak sales season, improved operational efficiency, and increased monthly revenue opportunities.
More than funding. A partner.
Swyft Advance was created to serve business owners who are caught in the grind of multiple daily payments. Our team has deep experience in alternative finance, and we built this program with one clear goal: help merchants like you regain control without starting over.
This isn’t a temporary fix — it’s a long-term business strategy, and we’re committed to helping you operate from a place of strength, not stress.
What you can expect
- Fast approvals from a team that knows alternative finance
- One advisor who walks you through every offer
- Funds available in 24 to 48 hours
- Ongoing support well beyond your first funding
Smart capital for real-world business needs.
Is Swyft Advance a lender?
We work with a network of funding partners. They make the final approval decision and set the amount, cost and terms of every offer. Your advisor helps you compare offers and choose the one that fits.
What is a merchant cash advance?
A merchant cash advance is a purchase of a portion of your business’s future receivables. It is not a loan. You receive capital up front and remit an agreed share of your revenue until the purchased amount is delivered, so payments move with your sales.
What is Reverse Consolidation?
A revenue-based program for businesses carrying more than one merchant cash advance. A funding partner purchases a portion of your future receivables and sends weekly disbursements that cover the payments on your existing advances. You remit one lower weekly amount over a longer term. Your existing advances are still paid in full.
What documentation do I need to apply?
We typically require your last 3–4 months of bank statements and your most recent credit card processing statements to evaluate your eligibility.
Can I qualify if I have bad credit?
Often, yes. Our funding partners look primarily at your business revenue and cash flow, not just your credit score. Approval is never guaranteed.
How quickly can I get approved?
Many businesses receive a decision within 24–48 hours of submitting a complete application and documents. Timing depends on the funding partner.
How much can Reverse Consolidation lower my weekly payments?
Many businesses see their weekly payment obligations drop by 30–50%. Your result depends on your balances and terms, and a lower payment can mean a longer term and a higher total cost. Your advisor will show you the exact numbers before you decide.
Let’s build something better for your business.
Ready to streamline your payments and strengthen your cash flow? Apply in minutes.