Asset-based lending

Secure a loan against the assets of your business and take advantage of better interest rates

How much finance do you need?

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Seamus
Really great company. Alex was brilliant. Very understanding to what my goals were and sourced me the perfect product. Will definitely deal with him again in the future
Apr 28, 2026
S O Kane
First class service. Alex has been so helpful and knowledgeable in understanding my goals. Will definitely be using for future projects
Apr 28, 2026
Umar Javed
Dino Federico is the man to deal with. His colleague Harvey initially contacted me so credit to him aswell and Harvey got the lending over the line. Great communication, everything was clear and funding was approved within a very quick timeframe!
Apr 23, 2026
Fari Fari
I highly recommend Lucas for the sterling work he did on our behalf as per our instructions.
Apr 23, 2026
Siraj Lebbe
Swoop team were very helpful. & very quick service.
Apr 11, 2026
Simon
Daisy facilitated our journey from start to finish. Her communication, knowledge and efficiency provided an excellent service and within a week, we knew which product suited our needs best and already had a drawdown date.
Apr 11, 2026
James Forsberg
Friendly and very knowledgeable staff. Fantastic service.
Mar 12, 2026
Jamie Petrie
Grateful for all your help Swoop! Great platform and great people. Easy to use system with a really friendly team guiding me all the way. Will be back again.
Mar 10, 2026
Eimee Kennedy
Really impressed with Swoop. We were matched with grants and loans we didn’t even realise were available. Super easy to use and just really helpful overall. Very happy.
Mar 9, 2026
James Hyde
Swoop helped us find the right funding much more quickly and much more efficiently than going to banks ourselves. A surprisingly simple process and a super helpful team. Thoroughly recommended and will certainly use again.
Mar 8, 2026

Asset-based lending is a common way for businesses to improve their working capital if access to traditional financing is difficult.

As with all financial products, it is important to have all the information on how it works so that you can make the right decision for your business.

Why asset-based lending?

Better interest rates

Secured against the assets of your business which lessens the risk to the lender resulting in more favorable interest rates than an unsecured loan

More flexibility

The focus is on the quality of the asset to be secured and less on the credit rating of your business

Fewer covenants

There are typically fewer covenants with asset-based lenders as they focus more on the quality of the asset to be secured and less on the credit rating of the business

Types of asset-based lending

What can I use the funds for?

Industries taking advantage of asset-based lending

Manufacturing

Construction

Wholesalers

Transportation

Business services

Whether you are growing rapidly, have seasonal cash fluctuations or are looking to grow your business via new equipment or a new contract, asset-based lending is a good way to unlock the capital required

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Swoop Finance Limited helps UK firms access business finance by working directly with businesses and their trusted advisors. We act as a credit broker, not a lender, and do not provide loans or finance products ourselves. We introduce applicants to a panel of lenders, equity funds, and grant agencies based on individual circumstances and creditworthiness.
Commission Disclosure: We typically receive a commission from the finance provider (either a fixed fee or a fixed percentage of the amount you receive) upon successful placement. Different providers pay different rates. For certain lenders, we may have influence over the interest rate, which can impact the total amount payable under your agreement.
Regulatory Information:

  • FCA: Authorised and regulated by the Financial Conduct Authority as a credit broker (FRN: 936513) and registered as an Account Information Services Provider (Ref: 833145).

  • ICO: Registered with the Information Commissioner’s Office (Ref: ZA600162); registration can be verified at ico.org.uk.

  • Company Details: Registered in England & Wales with Companies House (No. 11163382). Registered Address: The Stable Yard, Vicarage Road, Stony Stratford, Milton Keynes, MK11 1BN. VAT Number: 300080279.

Terms: All finance and quotes are subject to status, income, and terms and conditions. Applicants must be aged 18 or over. Guarantees and indemnities may be required. Please refer to our terms and conditions and our complaints procedure for further details.

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