{"id":34893,"date":"2024-04-18T14:55:15","date_gmt":"2024-04-18T14:55:15","guid":{"rendered":"https:\/\/swoopfunding.com\/au\/blog\/how-do-small-business-loans-work\/"},"modified":"2024-05-27T09:10:25","modified_gmt":"2024-05-27T09:10:25","slug":"how-do-small-business-loans-work","status":"publish","type":"blog","link":"https:\/\/swoopfunding.com\/au\/business-loans\/how-do-small-business-loans-work\/","title":{"rendered":"How do small business loans work"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Securing a business loan can be a pivotal step for small and medium-sized enterprises (SMEs) aiming to grow or sustain their operations. Understanding the timeframe and process involved in obtaining financing is crucial for effective planning and decision-making. Here at <\/span><span style=\"font-weight: 400;\">Swoop<\/span><span style=\"font-weight: 400;\">, our experts wanted to provide a detailed explanation of this topic, helping business owners navigate the complexities of securing a business loan efficiently.<\/span><\/p>\n<h2><strong>What is a business loan?<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">A <a href=\"https:\/\/swoopfunding.com\/au\/business-loans\/\">business loan<\/a> is a specific type of financing designed to meet the financial needs of a company. It provides businesses with the capital necessary to fund operational costs, expansion efforts, or <\/span><span style=\"font-weight: 400;\">equipment purchases<\/span><span style=\"font-weight: 400;\">, allowing for growth and sustainability without depleting cash reserves.<\/span><\/p>\n<h2><strong>How do business loans work?<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">Business loans work by providing a lump sum of money or a credit line to businesses in exchange for repayment over time, with interest. The terms of the loan, including repayment schedules and interest rates, vary widely depending on the lender and the borrower&#8217;s financial health.<\/span><\/p>\n<h2><strong>What are business loans used for?<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">Business loans can be used for a wide range of purposes, from bridging gaps in cash flow and purchasing inventory to financing large-scale expansion projects and acquiring new equipment. Each loan type is tailored to fit different business needs and scenarios, ensuring that companies can continue to operate and expand effectively.<\/span><\/p>\n<h3><strong>What can you not use a business loan for?<\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">Typically if it\u2019s unrelated to your business, your business loan shouldn\u2019t be used for it. For clarity on what you can and can\u2019t use your business loan funds take a look at your outlined terms and conditions. These can be found in your loan agreement.\u00a0<\/span><\/p>\n<h2><strong>What are the most common types of business loans?<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">There are several types of business loans available, each designed to support different financial needs and business scenarios. Here\u2019s a breakdown of the most common ones, detailing what each type is and who it&#8217;s best suited for.<\/span><\/p>\n<h3><strong>Term loan<\/strong><\/h3>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><strong>What it is<\/strong>: <\/span><a href=\"https:\/\/swoopfunding.com\/au\/business-loans\/short-term-loans\/\"><span style=\"font-weight: 400;\">A term loan <\/span><\/a><span style=\"font-weight: 400;\">provides a lump sum of cash upfront, which businesses repay with interest over a predetermined period.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><strong>Who it&#8217;s best for<\/strong>: This type of loan is best for businesses with predictable revenue streams who need funding to invest in long-term growth opportunities.<\/span><\/li>\n<\/ul>\n<h3><strong>Working capital loan<\/strong><\/h3>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><strong>What it is<\/strong>: <\/span><a href=\"https:\/\/swoopfunding.com\/au\/business-loans\/working-capital-loans\/\"><span style=\"font-weight: 400;\">Working capital loans<\/span><\/a><span style=\"font-weight: 400;\"> are short-term financing options used to cover everyday operational expenses such as rent, payroll, and inventory.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><strong>Who it&#8217;s best for<\/strong>: These loans are suitable for businesses that need to manage cash flow fluctuations, particularly seasonal businesses.<\/span><\/li>\n<\/ul>\n<h3><strong>Business line of credit<\/strong><\/h3>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><strong>What it is<\/strong>: A <\/span><span style=\"font-weight: 400;\">business line of credit<\/span><span style=\"font-weight: 400;\"> offers flexible access to funds up to a certain limit, allowing businesses to draw and repay as needed, similar to a credit card.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><strong>Who it&#8217;s best for<\/strong>: It\u2019s best for businesses that face unpredictable expenses and want the flexibility to access funds as needed without reapplying for a new loan.<\/span><\/li>\n<\/ul>\n<h3><strong>Merchant cash advance<\/strong><\/h3>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><strong>What it is<\/strong>: A<\/span><a href=\"https:\/\/swoopfunding.com\/au\/business-loans\/merchant-cash-advance\/\"><span style=\"font-weight: 400;\"> merchant cash advance<\/span><\/a><span style=\"font-weight: 400;\"> provides a lump sum based on future sales. Businesses repay the advance with a percentage of daily sales transactions.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><strong>Who it&#8217;s best for<\/strong>: This option is best for businesses with high credit card transaction volumes and those needing quick access to capital.<\/span><\/li>\n<\/ul>\n<h3><strong>Invoice factoring<\/strong><\/h3>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><strong>What it is<\/strong>: <a href=\"https:\/\/swoopfunding.com\/au\/business-loans\/invoice-factoring\/\">Invoice factoring<\/a> involves selling your accounts receivable at a discount to a factoring company that then takes over the collection process.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><strong>Who it&#8217;s best for<\/strong>: Best for businesses that need immediate cash and have reliable customers but long payment cycles.<\/span><\/li>\n<\/ul>\n<h3><strong>Equipment financing<\/strong><\/h3>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><strong>What it is<\/strong>: Equipment financing is a loan specifically for purchasing business equipment. The equipment itself often serves as collateral for the loan.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><strong>Who it&#8217;s best for<\/strong>: It\u2019s ideal for businesses that need to purchase or replace expensive machinery or equipment but do not want to deplete their cash reserves to do so.<\/span><\/li>\n<\/ul>\n<h2>How much can I borrow with a business loan?<\/h2>\n<p>The amount you can borrow with a business loan varies depending on several factors, such as the lender&#8217;s criteria, your business&#8217;s financial standing, creditworthiness, and the purpose of the loan. Lenders typically consider your business&#8217;s revenue, cash flow, profitability, and assets when determining the loan amount. Additionally, they may require collateral or personal guarantees to secure the loan, which can impact the maximum loan amount available.<\/p>\n<p>While the minimum and maximum loan amounts can vary between lenders, it&#8217;s common to see minimum loan amounts ranging from a few thousand dollars to tens of thousands of dollars. On the other hand, maximum loan amounts can extend into the millions for larger businesses with strong financials and established track records.<\/p>\n<p>It&#8217;s important to shop around and compare loan offers from different lenders to find the financing option that best suits your business&#8217;s needs and goals.<\/p>\n<h2>What are the benefits of a business loan?<\/h2>\n<p>A business loan can offer several benefits for businesses seeking capital to grow and expand:<\/p>\n<ul>\n<li><strong>Access to capital<\/strong>: Business loans provide businesses with access to funds to finance various expenses, such as purchasing equipment, expanding operations, or covering day-to-day expenses.<\/li>\n<li><strong>Flexibility<\/strong>: Business loans offer flexibility in terms of loan amounts, repayment terms, and usage of funds. Businesses can tailor the loan to meet their needs and goals.<\/li>\n<li><strong>Maintaining ownership<\/strong>: Business loans allow businesses to keep full ownership and control of the company. Borrowers do not need to reduce their ownership or share profits with investors.<\/li>\n<li><strong>Predictable costs<\/strong>: Business loans typically come with fixed interest rates and repayment schedules, making it easier for businesses to budget and plan for loan payments.<\/li>\n<li><strong>Building credit history<\/strong>: Timely repayment of a business loan can help businesses establish and build a positive credit history, which can improve their creditworthiness and make it easier to access funding in the future.<\/li>\n<li><strong>Opportunity for growth<\/strong>: By providing access to capital, business loans can enable businesses to invest in growth opportunities, expand into new markets, launch new products or services, and increase revenue and profitability over time.<\/li>\n<\/ul>\n<p>Overall, business loans serves as a valuable financial tool for businesses looking to achieve their growth and expansion objectives. However, it&#8217;s important for businesses to carefully evaluate their financing needs, consider the costs and benefits of borrowing, and choose the right loan option.<\/p>\n<h2><strong>Where can i get a business loan?<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">Business loans can be obtained from several sources, including traditional banks, credit unions, online lenders, and alternative financing providers. Each lender offers different advantages depending on your business\u2019s specific needs, such as competitive interest rates, flexible terms, or faster funding processes.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here\u2019s a look at the two most primary sources of business lending:<\/span><\/p>\n<h3><strong>Traditional banks<\/strong><\/h3>\n<ul>\n<li style=\"font-weight: 400;\"><b>What they offer:<\/b><span style=\"font-weight: 400;\"> Traditional banks are often the first stop for business loans. They typically offer the most competitive interest rates and long-term financing options.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><b>Best for: <\/b><span style=\"font-weight: 400;\">Established businesses with strong financial histories and those who need larger loan amounts. Also ideal for businesses that prefer face-to-face interaction and comprehensive banking services beyond just a loan.<\/span><\/li>\n<li style=\"font-weight: 400;\"><b>Keep in mind: <\/b><span style=\"font-weight: 400;\">The application process can be more rigorous, requiring extensive documentation and longer approval times. Additionally, traditional banks may have stricter qualifying criteria, which can be challenging for newer businesses or those with less-than-perfect credit.<\/span><\/li>\n<\/ul>\n<h3><strong>Online lenders<\/strong><\/h3>\n<ul>\n<li style=\"font-weight: 400;\"><b>What they offer: <\/b><span style=\"font-weight: 400;\">Online lenders provide a more streamlined and accessible lending experience. They often have less stringent requirements for loan approval and can provide faster funding\u2014sometimes within 24 hours of application approval.<\/span><\/li>\n<li style=\"font-weight: 400;\"><b>Best for: <\/b><span style=\"font-weight: 400;\">Newer businesses, businesses with volatile cash flows, or owners with <\/span><a href=\"https:\/\/swoopfunding.com\/au\/blog\/how-to-get-a-business-loan-with-bad-credit\/\"><span style=\"font-weight: 400;\">lower credit scores<\/span><\/a><span style=\"font-weight: 400;\">. Also suitable for those seeking convenience and quick funding.<\/span><\/li>\n<li style=\"font-weight: 400;\"><b>Keep in mind:<\/b><span style=\"font-weight: 400;\"> While online lenders offer the convenience of easy application processes and quick access to capital, they may charge higher interest rates and fees compared to traditional banks.\u00a0<\/span><\/li>\n<\/ul>\n<h2><strong>How to qualify for a business loan<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">Qualifying for a business loan typically involves meeting certain criteria set by the lender, which may include a minimum credit score, a proven track record of revenue, and a solid business plan.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Lenders also often require detailed financial statements and may look at the debt-to-income ratio of your business. Strengthening your application with a comprehensive understanding of your financial situation and a clear purpose for the loan can improve your chances of approval.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">When you&#8217;re ready to <\/span><a href=\"https:\/\/swoopfunding.com\/au\/blog\/how-to-get-a-business-loan\/\"><span style=\"font-weight: 400;\">apply for a business loan<\/span><\/a><span style=\"font-weight: 400;\">, there are several key factors lenders will look at to determine if you&#8217;re a good fit. Here&#8217;s a rundown of what you&#8217;ll need to have in order, presented in a more conversational way:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><strong>Personal credit score<\/strong>: Generally, you&#8217;ll need a score of at least 600 for simpler loans, but the higher your score, the better your chances of getting favourable terms. Brushing up your credit score before applying can make a big difference.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><strong>Revenue and financial health<\/strong>: Lenders want to see that your business isn\u2019t just surviving, but thriving enough to take on and repay a new loan. You&#8217;ll need to show solid proof of income, usually through bank statements and financial statements like profit and loss accounts. Make sure your numbers demonstrate that you meet or exceed any minimum revenue requirements the lender might have.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><strong>Business plan<\/strong>: This is your chance to show off your strategic thinking. A robust business plan should lay out how your business works, who your competitors are, what your market looks like, and detailed financial projections. It\u2019s your way of telling lenders, &#8220;Here&#8217;s my blueprint for success\u2014and here\u2019s how your loan fits into that plan.&#8221;<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><strong>Debt-to-income ratio<\/strong>: This is all about balance. Your debt-to-income ratio shows lenders whether your business earns enough to manage loan repayments comfortably. A lower ratio usually signals that your business can handle additional debt without stress.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><strong>Collateral<\/strong>: If you\u2019re going for a secured loan, you\u2019ll need to offer up something valuable\u2014like equipment, inventory, or real estate\u2014as collateral. This is a safety net for lenders, giving them a way to recover their money if things don\u2019t go as planned.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><strong>Industry experience<\/strong>: Having experience in your industry can be a huge plus. It shows lenders that you know the ins and outs of your market and are capable of navigating the challenges your business might face.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><strong>Legal and financial documentation<\/strong>: Get your paperwork in order. This includes Business filings from your state, personal and business tax returns, incorporation papers, leases, and any franchise agreements. Being organised and ready to present all required documents can speed up the loan process.<\/span><\/li>\n<\/ol>\n<h2>What credit score do I need to get a business loan?<\/h2>\n<p>The credit score required for a business loan varies by lender, loan type, and specific program requirements. Lenders typically consider both your personal credit score and the business&#8217;s credit history.<\/p>\n<p>Higher credit scores generally increase loan approval chances and offer better terms, such as lower interest rates and higher loan amounts. However, many lenders provide loans to applicants with a range of credit scores, including those with fair or average credit.<\/p>\n<p>Besides credit scores, lenders assess factors like business revenue, cash flow, profitability, industry experience, and collateral. Some may overlook lower credit scores if the business shows strong financial performance and a solid repayment history.<\/p>\n<h2>How to apply for a business loan<\/h2>\n<p>Applying for a business loan involves several steps that businesses can follow to increase their chances of success:<\/p>\n<ul>\n<li><strong>Evaluate your financing needs<\/strong>: Decide how much funding you need and the purpose of the loan. Having a clear understanding of your financing needs will make the application process easier.<\/li>\n<li><strong>Research lenders<\/strong>: Explore different lenders to find the best fit for your business. Consider factors such as interest rates, loan terms, eligibility requirements, and customer reviews.<\/li>\n<li><strong>Gather documentation<\/strong>: Prepare the necessary documentation required for the loan application. Having these documents organised and available will streamline the application process.<\/li>\n<li><strong>Complete the application<\/strong>: Fill out the loan application form provided by the chosen lender. Be prepared to answer questions about your business&#8217;s industry, market position, revenue streams, and use of funds.<\/li>\n<li><strong>Submit additional documentation<\/strong>: You may need to submit additional documentation to support your loan application, such as personal and business credit reports, collateral documentation, or legal agreements.<\/li>\n<li><strong>Review and negotiate terms<\/strong>: Once you receive a loan offer from the lender, carefully review the terms and conditions. If necessary, negotiate with the lender to make sure the terms fit your business&#8217;s needs and goals.<\/li>\n<li><strong>Provide collateral or guarantees<\/strong>: You may need to provide collateral or personal guarantees to secure the loan. This can include assets such as real estate, equipment, inventory, or accounts receivable.<\/li>\n<li><strong>Accept the loan offer<\/strong>: If your loan application is approved, carefully review the final loan offer and accept the terms and conditions.<\/li>\n<li><strong>Receive funds<\/strong>: Once you accept the loan offer and fulfill any remaining requirements the lender will disburse the funds to your business account.<\/li>\n<\/ul>\n<p>By following these steps and being thorough in your preparation and documentation, you can increase your chances of successfully getting a business loan to support your business&#8217;s growth and success.<\/p>\n<h2><strong>How swoop can help<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">Don&#8217;t let the complexities of securing a business loan hinder your company&#8217;s growth. At Swoop, we make it easy for you to explore a variety of funding options that are tailored specifically to your business needs. Whether you&#8217;re launching a startup or planning to expand your established business, Swoop is here to help streamline the process of getting the financing you need quickly and efficiently.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Visit us to <\/span><span style=\"font-weight: 400;\">check the available funding options<\/span><span style=\"font-weight: 400;\"> and take a crucial step toward securing your business\u2019s financial future today. With Swoop, you can ensure that your journey to obtaining a business loan is as smooth and successful as possible. <a href=\"https:\/\/app.swoopfunding.com.au\/stage\">Get started today<\/a>.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Securing a business loan can be a pivotal step for small and medium-sized enterprises (SMEs) aiming to grow or sustain their operations. Understanding the timeframe and process involved in obtaining financing is crucial for effective planning and decision-making. Here at Swoop, our experts wanted to provide a detailed explanation of this topic, helping business owners [&hellip;]<\/p>\n","protected":false},"author":43,"featured_media":34822,"comment_status":"closed","ping_status":"closed","template":"","category":[1368,1666,1667],"class_list":["post-34893","blog","type-blog","status-publish","has-post-thumbnail","hentry","category-blog","category-sme-support","category-swoop-guides"],"acf":[],"featured_image_urls_v2":{"full":["https:\/\/swoopfunding.com\/au\/wp-content\/uploads\/sites\/4\/2024\/04\/a-person-typing-on-laptop-7731373-1024x677.jpg",1024,677,false],"thumbnail":["https:\/\/swoopfunding.com\/au\/wp-content\/uploads\/sites\/4\/2024\/04\/a-person-typing-on-laptop-7731373-1024x677-150x150.jpg",150,150,true],"medium":["https:\/\/swoopfunding.com\/au\/wp-content\/uploads\/sites\/4\/2024\/04\/a-person-typing-on-laptop-7731373-1024x677-300x198.jpg",300,198,true],"medium_large":["https:\/\/swoopfunding.com\/au\/wp-content\/uploads\/sites\/4\/2024\/04\/a-person-typing-on-laptop-7731373-1024x677-768x508.jpg",768,508,true],"large":["https:\/\/swoopfunding.com\/au\/wp-content\/uploads\/sites\/4\/2024\/04\/a-person-typing-on-laptop-7731373-1024x677.jpg",1024,677,false],"1536x1536":["https:\/\/swoopfunding.com\/au\/wp-content\/uploads\/sites\/4\/2024\/04\/a-person-typing-on-laptop-7731373-1024x677.jpg",1024,677,false],"2048x2048":["https:\/\/swoopfunding.com\/au\/wp-content\/uploads\/sites\/4\/2024\/04\/a-person-typing-on-laptop-7731373-1024x677.jpg",1024,677,false],"image_blog":["https:\/\/swoopfunding.com\/au\/wp-content\/uploads\/sites\/4\/2024\/04\/a-person-typing-on-laptop-7731373-1024x677-408x252.jpg",408,252,true],"image_blog_full":["https:\/\/swoopfunding.com\/au\/wp-content\/uploads\/sites\/4\/2024\/04\/a-person-typing-on-laptop-7731373-1024x677-1024x660.jpg",1024,660,true],"image_podcast":["https:\/\/swoopfunding.com\/au\/wp-content\/uploads\/sites\/4\/2024\/04\/a-person-typing-on-laptop-7731373-1024x677-397x298.jpg",397,298,true],"image_banking":["https:\/\/swoopfunding.com\/au\/wp-content\/uploads\/sites\/4\/2024\/04\/a-person-typing-on-laptop-7731373-1024x677-30x20.jpg",30,20,true],"image_blog_internal":["https:\/\/swoopfunding.com\/au\/wp-content\/uploads\/sites\/4\/2024\/04\/a-person-typing-on-laptop-7731373-1024x677-840x480.jpg",840,480,true],"image_blog_medium":["https:\/\/swoopfunding.com\/au\/wp-content\/uploads\/sites\/4\/2024\/04\/a-person-typing-on-laptop-7731373-1024x677-1024x500.jpg",1024,500,true],"image_single_banking":["https:\/\/swoopfunding.com\/au\/wp-content\/uploads\/sites\/4\/2024\/04\/a-person-typing-on-laptop-7731373-1024x677-80x53.jpg",80,53,true]},"post_excerpt_stackable_v2":"<p>Securing a business loan can be a pivotal step for small and medium-sized enterprises (SMEs) aiming to grow or sustain their operations. Understanding the timeframe and process involved in obtaining financing is crucial for effective planning and decision-making. Here at Swoop, our experts wanted to provide a detailed explanation of this topic, helping business owners navigate the complexities of securing a business loan efficiently. What is a business loan? A business loan is a specific type of financing designed to meet the financial needs of a company. It provides businesses with the capital necessary to fund operational costs, expansion efforts,&hellip;<\/p>\n","category_list_v2":"<a href=\"https:\/\/swoopfunding.com\/au\/category\/blog\/\" rel=\"category tag\">Blog<\/a>, <a href=\"https:\/\/swoopfunding.com\/au\/category\/sme-support\/\" rel=\"category tag\">SME support<\/a>, <a href=\"https:\/\/swoopfunding.com\/au\/category\/swoop-guides\/\" rel=\"category tag\">Swoop guides<\/a>","author_info_v2":{"name":"Ian Hawkins","url":"https:\/\/swoopfunding.com\/au\/author\/ian-hawkins\/"},"comments_num_v2":"0 comments","_links":{"self":[{"href":"https:\/\/swoopfunding.com\/au\/wp-json\/wp\/v2\/blog\/34893","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/swoopfunding.com\/au\/wp-json\/wp\/v2\/blog"}],"about":[{"href":"https:\/\/swoopfunding.com\/au\/wp-json\/wp\/v2\/types\/blog"}],"author":[{"embeddable":true,"href":"https:\/\/swoopfunding.com\/au\/wp-json\/wp\/v2\/users\/43"}],"replies":[{"embeddable":true,"href":"https:\/\/swoopfunding.com\/au\/wp-json\/wp\/v2\/comments?post=34893"}],"version-history":[{"count":3,"href":"https:\/\/swoopfunding.com\/au\/wp-json\/wp\/v2\/blog\/34893\/revisions"}],"predecessor-version":[{"id":36294,"href":"https:\/\/swoopfunding.com\/au\/wp-json\/wp\/v2\/blog\/34893\/revisions\/36294"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/swoopfunding.com\/au\/wp-json\/wp\/v2\/media\/34822"}],"wp:attachment":[{"href":"https:\/\/swoopfunding.com\/au\/wp-json\/wp\/v2\/media?parent=34893"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/swoopfunding.com\/au\/wp-json\/wp\/v2\/category?post=34893"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}