Tailored retail business funding

Discover a funding solution for your retail business that fits your exact needs in just 60 seconds.

Find funding for your retail business in minutes, not months

Whether you are opening a new store or looking to expand your retail business, having access to capital is essential for maintaining inventory, upgrading equipment, and driving growth. Swoop works with hundreds of finance providers that can find the right solution to fit your exact circumstances.

Funding solutions for all stages of growth

Working capital
loans

Flexible funding you can use for day to day expenses like payroll or rent when cash flow is tight or seasonal demand rises.

Inventory
financing

Funding tied to your inventory that can help you buy stock ahead of busy periods without draining cash needed for other operations.

Line of
credit

A reusable credit limit you draw from as needed to manage short term gaps then repay and reuse as your cash flow allows.

Cash
advance

An advance based on your sales that provides fast access to cash for urgent needs when traditional loans may be slow.

Supply chain financing

Financing that helps you pay suppliers on time while extending your payment window so you can keep inventory moving and relationships strong.

Term
loans

A lump sum you repay over a set period, useful for planned investments like expansion, hiring, or renovations where predictable payments help budgeting.

Hannah Taylor

Swoop made the entire funding process incredibly straightforward and stress-free. From the outset, the platform was easy to navigate and clearly designed with businesses in mind. The team took the time to understand our needs and presented funding options that were genuinely relevant, rather than a one-size-fits-all approach. What really stood out was the level of support throughout the process. Communication was clear, responsive, and professional at every stage, and we felt well informed from initial enquiry through to completion. The expertise and transparency provided gave us real confidence in the decisions we were making. Overall, Swoop is an excellent solution for businesses looking to explore funding options efficiently and with expert guidance. I would highly recommend them to any business seeking a reliable, knowledgeable, and customer-focused funding partner.

Jan 23, 2026

Michael

A user friendly and intuitive platform that did not make the process onerous. Also Ikrah Ramzan, the Asset Finance Funding Manager was helpful, engaging, and supportive through the process.

Jan 20, 2026

Paul Brogan

Great service nice people pleasure to work with, highly recommend them

Jan 16, 2026

Peps Cafe

Very good customer service 👏

Dec 13, 2025

Rachel Martin

Working with the team at Swoop Finance has been genuinely brilliant, both as a partner and as an accountant, recommending them to clients. Their platform makes the funding process feel clear and accessible, and their team really take the time to understand each business before suggesting options. I’ve referred several clients through Swoop this year - from start-ups to established companies and each one has come back saying how seamless and supportive the experience was. From my side, collaborating with Swoop has been effortless. They genuinely care about helping business owners grow sustainably, and their communication and professionalism make them a standout partner in the finance space. Great for accountants looking to add value to their clients and for business owners looking to explore funding with confidence.

Dec 12, 2025

Taz Allinson

Working with Swoop has been brilliant. They’ve been a great brand to collaborate with behind the scenes, and our clients are already feeding back positive results after using Swoop to access funding for their businesses. Highly recommend!

Dec 9, 2025

Frank Coelho

Fantastic tool for business owners. It simplifies the funding landscape and brings everything into one dashboard. I was able to see my options quickly without the usual hassle. Very impressed with the service.

Dec 5, 2025

BuildBright Contractors

We recently worked with Swoop Funding to help finance our new van purchases, and the experience was outstanding from start to finish. The process was smooth, transparent, and far easier than we ever expected. A special shout-out goes to Ikrah, who was absolutely fantastic throughout. She was proactive, knowledgeable, and incredibly supportive—always quick to respond, always clear in her explanations, and genuinely committed to finding the best possible solution for us. Her professionalism and friendly approach made the entire journey not just stress-free, but genuinely enjoyable. Thanks to Swoop—and especially Ikrah—we were able to secure the right funding quickly and confidently. We couldn’t be happier with the service and highly recommend them to anyone looking for business finance done right.

Nov 18, 2025

Claudia Mirabela Costea

A bit late with my feedback but I want to recognise how supportive swoop has been with assisting me to find the best funding for my tiny business.In a world full of possibilities it is rare to find people to help you explore the right paths for your needs.I want to also recognise Daniel M. On this ocassion as he was very professional and prompt to get involved and emailed me all the resources I needed

Oct 19, 2025

Todd Holden

Swoop have been nothing short of excellent. From sign-up to installation, the whole experience has been great. I can’t recommend them highly enough. There’s no more lag when streaming, and the service has been so good that I’ve also switched my business internet to Swoop. I’m really glad to now be on FTTP- previously, I was using wireless 5G for home and FTTN for the business, and neither came close to the speed and reliability we have now

Oct 15, 2025

FAQs

Does applying for a business loan affect my credit score?

Lenders typically carry out a hard credit check when you apply for a business loan, and this can cause your credit score to temporarily drop. Some lenders may check the credit score of the business and the business owners or directors. Too many searches on your credit report in a short space of time can have a bigger impact on your credit score, so it’s best to space out applications by three to six months.

Can I repay my loan early?

Yes, you may be able to repay your business loan early but be aware that some lenders charge early repayment penalties and fees for doing so. Check the small print of your loan before you proceed.

How long does it take to receive my loan?

It depends on the type of loan. Some loans, such as merchant cash advances, can be agreed and paid into your bank account in one or two days. Other loans, such as asset financing, can take much longer.

What are business loans commonly used for?

Business loans can be used for a variety of purposes, whether that’s to cover dips in cashflow, pay salaries or buy inventory, vehicles, plant, and machinery. They can also help you to cover marketing costs, move to a new premises, or consolidate existing debt.

Can I get a business loan with bad credit?

Yes, you might be able to get a business loan with bad credit, but you will have fewer lenders to choose from. Keep in mind that you might not be able to borrow as much as you’d originally hoped, and interest rates are likely to be higher if you have poor credit.

Am I able to borrow more money?

If you are in good standing with your current loan(s) and your cashflow shows you can afford the extra repayments, you may be able to top-up your business borrowing. In most cases, the application process for a top-up will remain the same as your original loan.

How long does a business loan last?

Your business loan term will vary depending on the value of your loan, the type of loan you take out and how much you are able to repay each month. Unsecured business loans can typically last between one and five years, while secured business loans might have a repayment term of up to 25 years.

What credit score do I need for a business loan?

There is no set minimum for the credit score you or your business needs to get a business loan. However, the higher it is, the more likely you are to get accepted for a loan and secure a better interest rate.

Lending criteria varies between providers and other factors such as your annual turnover and existing levels of debt will be considered too.

What if I've been denied a business loan in the past?

If you have previously been denied a business loan, it is important to take time to reassess your current financial situation. Applying for another business loan soon after being rejected for one can damage your credit score.

Take steps to improve your credit score by paying bills on time and paying off any existing business debts before you apply again.

Are there any business loans exclusively for women?

As the number of female entrepreneurs continues to grow in the US, alternative lenders and some government-backed lenders have schemes and funding solutions available specifically for women-led SMEs.

Ready to grow your business?