Swoop’s Broker Suite has been built with three types of brokers in mind:
Prefer to become an introducer to refer deals to Swoop? Register your interest here.
An Appointed Representative (AR) is a firm that operates under the regulatory authorisation of an FCA-approved Principal firm—like Swoop—rather than being directly authorised by the FCA. This allows brokers to offer regulated financial services without the administrative burden of full authorisation.
Becoming an AR with Swoop provides a fast, cost-effective way to offer regulated financial services without the lengthy FCA application process. You benefit from our compliance framework, ongoing support, and access to a broad panel of lenders.
As an AR with Swoop, you can offer various finance options, including business loans, asset finance, invoice finance, commercial mortgages, and alternative funding solutions. We ensure you operate within FCA-permitted activities.
The process typically takes 4–6 weeks, depending on how quickly required documents and due diligence checks are completed. Our compliance team will guide you every step of the way.
As an AR, you must follow FCA regulations, ensure fair treatment of customers, maintain data protection standards, and keep accurate records. Swoop provides ongoing training and compliance monitoring to help you stay on track.
Yes, but all financial promotions, including website content and marketing materials, must be reviewed and approved by Swoop before publication to ensure FCA compliance.
Possibly, but you must obtain consent from Swoop and other Principal firms before entering a Multiple Principal Agreement, which is subject to FCA approval.
We provide initial training, ongoing compliance support, regular audits, and access to expert guidance to ensure you meet FCA standards while running your business effectively.
Customers typically have 14 days to cancel finance agreements. You must inform them of their rights upfront and guide them on the process. Swoop will assist in handling cancellations if needed.
All complaints must be logged and reported to Swoop immediately. We handle customer complaints following FCA guidelines, ensuring a fair resolution process.
No, ARs cannot hold client money. Any payments related to finance agreements must be directed to the lender or Swoop.
If you decide to stop being an AR, you must follow our termination process, including notifying the FCA and ceasing regulated activities. We will assist with a smooth transition.
We work with world class partners to help us support businesses with finance
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Disclaimer: Swoop Finance helps UK firms access business finance, working directly with businesses and their trusted advisors. We are a credit broker and do not provide loans or other finance products ourselves. We can introduce you to a panel of lenders, equity funds and grant agencies. Whichever lender you choose we may receive commission from them (either a fixed fee of fixed % of the amount you receive) and different lenders pay different rates. For certain lenders, we do have influence over the interest rate, and this can impact the amount you pay under the agreement. All finance and quotes are subject to status and income. Applicants must be aged 18 and over and terms and conditions apply. Guarantees and Indemnities may be required. Swoop Finance can introduce applicants to a number of providers based on the applicants’ circumstances and creditworthiness. Swoop Finance Limited is registered with the Financial Conduct Authority as an Account Information Services Provider (reference number 833145). Swoop Finance Limited is authorised as a credit broker under FCA registration number 936513. If you feel you have a complaint, please read our complaints section highlighted above and also contained within our terms and conditions. Swoop Finance Ltd is registered with Companies House (company number 11163382, registered address The Stable Yard, Vicarage Road, Stony Stratford, Milton Keynes MK11 1BN). VAT number: 300080279
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