Anytime business loans

At Swoop, we know there’s no such thing as downtime for small businesses. That’s why we have partnered with lenders that can provide you with fast access to finance, regardless of the time of day.

Whether it's 2am or 2pm, we are here for you

Regardless of the circumstances, businesses should have the opportunity to secure funding at any time or day they choose to apply. Whether facing unexpected financial obligations or striving to stay ahead of competitors, the ability to access funds promptly is crucial.

Thankfully, anytime business loans offer a solution to these challenges, providing UK SMEs with hassle-free access to the necessary funds. Unsure about the concept of quick business loans or how anytime business finance operates? Continue reading to discover everything you need to know about boosting your cashflow, regardless of the time.

What do we mean by an anytime business loan?

The key lies in the term ‘anytime.’ Anytime business loans are designed for businesses that require access to funds. Applications are typically approved within seconds and processed swiftly, often depositing the borrowed amount into the recipient’s account in 24 hours or less. 

How does an anytime business loan differ from a standard business loan?

When it comes to securing a traditional business loan, the journey begins with the completion of a formal application and submission of the required documentation to the lender.

This stack of information is then carefully reviewed by an underwriter, this process that can span several days or even weeks. Once the loan receives approval, contracts need to be signed and exchanged, and only after this step will the funds be transferred into the borrower’s account. From the moment of application to the disbursement of funds, the processing time for typical business loans is around 3 to 4 weeks.

However, it is worth noting that traditional loans may offer higher borrowing amounts compared to these anytime business loans.

How does an anytime business loan work?

Anytime business loans leverage advanced software to assess the borrower’s application by taking into account credit scores and readily accessible business information to evaluate risk. Initial approval can be granted in under a minute, after which additional steps and final approval will be set by the lender. Upon receiving final approval, funds are transferred electronically and can be available in the borrower’s account as early as the next day.

Why might you need an anytime business loan?

As any SME knows, financial surprises can pop up out of nowhere, and there are all sorts of reasons that can suddenly put a strain on your cash flow. That’s where anytime business loans come to the rescue! They’re here to soften the blow of those unexpected situations by providing funds at a moment’s notice, and you can use them for just about anything you need.

Here are some ways anytime business loans can help you out in a pinch:

  • Tackle temporary dips in cash flow
  • Seize exciting new business opportunities
  • Replace or repair essential business equipment
  • Ramp up your marketing activities and reach more customers
  • Cover the costs of purchasing inventory
  • Ensure you can meet payroll obligations or reward your team with bonuses
  • Invest in staff training to enhance skills and productivity
  • Address unexpected repairs to your premises
  • Handle sudden and unexpected tax demands

With anytime business loans, you have the flexibility to address these financial needs promptly and keep your business running smoothly.

How do I get approval for an anytime business loan?

Firstly, you need to meet the minimum application criteria:

  • Not being a sole trader
  • Having a business turnover of at least £5,000 per month

If you fit the criteria above, applying for an anytime business loan is quite simple: Register with Swoop online and begin your application – receiving your initial approval in seconds.

How long does it take to get funded with an anytime loan?

Anytime business loans can get funds into your business bank account in just a few days, sometimes even within 24 hours of getting the green light.

Anytime business loan calculator

Need finance but unsure of the cost? Use our handy calculator to work out your monthly interest and repayment amounts, plus total interest and cost.

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How do I find the best business loan for my business?

When it comes to getting fast business finance, SMEs can often find themselves stuck in an endless loop of searching and applying to multiple lenders. And let’s face it, all that waiting around can seriously mess with your business plans. But here’s a better idea: team up with Swoop! We’ve got your back and can connect you with business loans from a wide range of lenders.

The best part? Even if your credit score isn’t great or you’ve been turned down elsewhere, there’s still a chance we can get you the loan you need, fast. So why keep running in circles when Swoop can make it happen?

Get started with Swoop

If your business needs money in a hurry, and you are outside of regular business hours, register with Swoop to find the best rates, the best terms and the best anytime business loan.

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