Swoop Funding LLC (“Swoop,” “we,” “us,” or “our”) is a Delaware limited liability company and commercial finance broker. Our US headquarters is located at Swoop Funding LLC, Nomad Works – C/O Supermomos Room #204, 295 Madison Ave, New York, NY 10017. We operate the platform at swoopfunding.com/us, which helps eligible US businesses find and compare financing options — including loans, grants, and equity — from a network of third-party lenders, equity funds, and grant agencies.
We are a broker, not a lender. We do not make credit decisions, issue loans, or hold client funds. Swoop Funding LLC is a wholly owned subsidiary of BizFly Limited, registered in Ireland (Company No. 601838). Where your information is transferred outside the United States in connection with our corporate operations, we apply the safeguards described in Section 12 of this Policy.
We collect the following categories of personal information:
We Do Not Sell Your Personal Information
Swoop Funding LLC does not sell your personal information to third parties, as defined under the California Consumer Privacy Act (CCPA) and other applicable state privacy laws. You may still opt out of certain data sharing as described in Section 6 of this Policy.
We use your personal information for the following purposes:
We share personal information only as described below. We do not sell personal information.
When you use our platform to explore financing options, we share your information with relevant lenders, equity funds, grant agencies, and other service providers in our approved network in order to assess your eligibility and respond to your inquiry. Each provider’s use of your data is governed by their own privacy policy, which we encourage you to review before proceeding with any application.
We engage service providers who assist with IT infrastructure, analytics, identity verification, marketing, and other operational functions. These providers may access your data only to perform services on our behalf and are contractually required to protect it.
As described in Section 7 (FCRA Notice), we share information with consumer reporting agencies in connection with credit and identity verification activities.
In the event of a merger, acquisition, financing, or sale of all or part of our business, personal information may be transferred as part of that transaction. We will notify you of any material change in the data controller via email or a prominent notice on our website.
We may share your information with other parties for purposes not described here when we have obtained your prior written consent.
By using our platform and providing data to us, you grant Swoop a non-exclusive, royalty-free, sublicensable, transferable license to use, copy, reformat, and distribute that data for purposes connected with providing and improving the Service. Any data shared with third parties in this context will be anonymized and will not identify you as the source without your permission.
If you request deletion of your account, this license will expire, subject to our data retention obligations described in Section 11. You acknowledge that we may retain archived copies as required by applicable law.
Depending on your state of residence, you may have some or all of the following rights regarding your personal information:
| Right to Know / Access | Request a copy of the personal information we hold about you, including the categories collected, sources, purposes, and third parties with whom it has been shared. |
| Right to Delete | Request that we delete your personal information. Certain exceptions apply (e.g., where retention is required by law or to complete a transaction you initiated). |
| Right to Correct | Request correction of inaccurate or incomplete personal information. |
| Right to Opt Out of Sharing | Opt out of the sharing of your personal information with third parties for cross-context behavioral advertising purposes. |
| Right to Data Portability | Receive a copy of your personal information in a structured, commonly used, machine-readable format where technically feasible. |
| Right to Withdraw Consent | Where we process your data based on consent, withdraw that consent at any time. Withdrawal does not affect the lawfulness of prior processing. |
| Right to Non-Discrimination | We will not discriminate against you for exercising any of your privacy rights. |
| Automated Decision-Making | Residents of Colorado, Connecticut, Virginia, and Texas may opt out of decisions made solely by automated means that produce legal or similarly significant effects. |
To exercise any of the above rights, contact us by:
Please include your full name, account email address, and a description of your request. We will verify your identity before processing. We will respond within 45 days. If additional time is needed, we will notify you and may extend our response by up to 45 additional days as permitted by applicable law.
If we are unable to fulfill your request, we will provide a written explanation. You may appeal our decision by replying to our response email, and we will conduct a secondary review within 45 days.
Your FCRA Rights
The Fair Credit Reporting Act (15 U.S.C. 1681 et seq.) gives you specific rights in connection with our use of consumer reports. By submitting an application or registering an account, you provide “written instructions” to Swoop under the FCRA to obtain your personal and/or business credit profile from consumer reporting agencies.
Under the FCRA, you have the right to:
The credit checks Swoop initiates in connection with financing eligibility assessments will generally appear as soft inquiries and should not adversely affect your credit score, except for certain product types (such as commercial real estate financing) which may require a hard pull, in which case you will be notified in advance.
As a commercial finance broker, Swoop Funding LLC is a financial institution subject to the Gramm-Leach-Bliley Act (15 U.S.C. 6801 et seq.) and the FTC’s Privacy of Consumer Financial Information Rule (16 C.F.R. Part 313). This section constitutes our annual privacy notice.
We collect nonpublic personal information about you from: (a) information you provide on applications and in other forms; (b) information about your transactions with us, our affiliates, or others; and (c) information from consumer reporting agencies and other third parties.
We may share your nonpublic personal information with our affiliated companies and with nonaffiliated third parties as permitted by law, including:
You have the right to opt out of the sharing of your nonpublic personal information with nonaffiliated third parties for purposes other than facilitating the financing services you requested. To opt out:
Your opt-out will take effect within 30 days. Please note that opting out may limit our ability to match your business with the full range of financing options available through our platform.
We maintain a written information security program in compliance with the FTC Safeguards Rule (16 C.F.R. Part 314). Our program includes: encryption of personal financial data in transit and at rest; access controls and authentication requirements; employee training; regular risk assessments; vendor oversight; and an incident response plan.
We may send you service communications (application updates, account notices, security alerts) and, with your consent, marketing emails (newsletters, product announcements). Every marketing email includes an unsubscribe link. Unsubscribing from marketing emails will not affect service-related communications.
Our email marketing practices comply with the CAN-SPAM Act (15 U.S.C. 7704). Each commercial email includes our physical mailing address and a clear mechanism to opt out. Opt-out requests are processed within 10 business days.
If you provide your mobile phone number and opt in, Swoop Funding LLC may send you SMS text messages for service, customer engagement, and marketing purposes, including application alerts, updates, reminders, and product information.
Our SMS program complies with the Telephone Consumer Protection Act (TCPA, 47 U.S.C. 227) and applicable carrier guidelines.
We use cookies and similar technologies to operate our platform, remember your preferences, analyze usage, and support our marketing. We use both session cookies (which expire when you close your browser) and persistent cookies (which remain until deleted).
You can control cookies through your browser settings. Disabling certain cookies may affect platform functionality. For full details on our cookie practices, see our Cookie Policy at swoopfunding.com/us/cookie-policy.
We retain your personal information for as long as necessary to provide our services and to comply with our legal obligations. Specific retention periods include:
| Account & application data | Duration of account relationship, plus 5 years after last activity (BSA record-keeping requirements). |
| Credit and FCRA-related data | As required by the FCRA and applicable state law; generally 5–7 years. |
| Broker transaction records | 5 years from transaction date, as required for broker compliance records. |
| Marketing consent records | Duration of the relationship plus 3 years, or as required by CAN-SPAM / TCPA. |
| Security and audit logs | 2 years, or longer if required for an ongoing investigation or legal matter. |
| Legal claims data | Retained for the duration of applicable statutes of limitations (generally 3–6 years by state). |
When retention periods expire, we securely destroy or anonymize personal information. You may request earlier deletion subject to the exceptions described in Section 6.
Swoop Funding LLC processes personal information primarily within the United States. As a subsidiary of BizFly Limited (Ireland), certain corporate and operational functions may involve processing personal information outside the US, including in Ireland, the UK, and Australia.
Where personal information is transferred outside the United States, we ensure appropriate safeguards are in place, which may include:
If you have questions about our international transfer safeguards, contact privacy@swoopfunding.com.
We implement administrative, technical, and physical safeguards designed to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:
Despite these measures, no data transmission or storage system is completely secure. If you have reason to believe your interaction with us is no longer secure, contact us immediately at privacy@swoopfunding.com.
In the event of a security breach that affects your personal information, we will notify you as required by applicable state law. Most states require notification within 30–90 days of discovery of the breach. Our notifications will:
We will also notify applicable state attorneys general and regulatory agencies as required by law.
Our platform is intended exclusively for businesses and their authorized representatives. We do not knowingly collect personal information from individuals under 18 years of age, in compliance with the Children’s Online Privacy Protection Act (COPPA, 15 U.S.C. 6501 et seq.).
If you believe we have inadvertently collected information from or about a minor, please contact us immediately at privacy@swoopfunding.com. We will promptly investigate and, where appropriate, delete the information.
Privacy rights vary by state. The table below summarizes additional rights available to residents of states with comprehensive privacy laws. All rights are exercised through the process described in Section 6.
| California (CCPA/CPRA) | Right to know, delete, correct, opt out of sale/sharing, limit use of sensitive personal information, and non-discrimination. You may designate an authorized agent to submit requests on your behalf. Annual privacy notices provided under GLBA (Section 8). |
| Virginia (CDPA) | Right to access, delete, correct, portability, opt out of targeted advertising and automated profiling with significant effects. Response within 45 days. |
| Colorado (CPA) | Right to access, delete, correct, portability, opt out of targeted advertising and automated profiling. Response within 45 days. |
| Connecticut (CTDPA) | Right to access, delete, correct, portability, opt out of targeted advertising and automated profiling. |
| Texas (TDPSA) | Right to access, delete, correct, portability, opt out of sale, targeted advertising, and profiling. |
| Oregon (OCPA) | Right to access, delete, correct, portability, list of specific third parties data shared with. |
| Montana, Indiana, Iowa, Tennessee & others | Similar rights to access, delete, correct, and portability; opt-out rights vary by state. Contact us to learn which rights apply to you. |
If you are a California resident and wish to limit the use of sensitive personal information (including government IDs, financial account details, and precise geolocation), please contact privacy@swoopfunding.com with the subject line “Limit Sensitive PI.”
California residents may also request, under California’s Shine the Light Law (Civil Code 1798.83), a list of categories of personal information shared with third parties for direct marketing purposes and the names and addresses of those third parties during the prior calendar year. To submit a Shine the Light request, email privacy@swoopfunding.com.
We may update this Privacy Policy from time to time. When we make material changes, we will update the “Last Updated” date at the top of this Policy and, where required by applicable law or where the change significantly affects your rights, notify you directly by email or by a prominent notice on our platform.
Your continued use of our platform after the effective date of any update constitutes your acceptance of the revised Policy.
If you have questions or concerns about this Privacy Policy or our data practices, please contact our Privacy Officer:
| Privacy Officer Email | privacy@swoopfunding.com |
| Complaints Email | complaints.us@swoopfunding.com |
| Mailing Address | Swoop Funding LLC, Privacy Officer, Nomad Works - C/O Supermomos Room #204, 295 Madison Ave, New York, NY 10017 United States |
| Phone | +1 (202) 804-9308 (Mon–Fri, 9am–5pm ET; closed US public holidays) |
| Registered Address | Swoop Funding LLC, 8 The Green, Dover, DE 19901 |
If we are unable to resolve your concern, you may also contact:
Disclaimer: Swoop Funding LLC (“Swoop”) is a financial technology platform and commercial finance broker, not a lender. Swoop does not provide loans or make credit decisions. We match US-based firms with third-party lenders, equity funds, and grant agencies. All financing is subject to lender credit approval and the specific terms and conditions of the funding provider.
Broker Compensation Disclosure: Swoop provides its platform and matching services to applicants at no direct cost. We receive compensation in the form of a commission or referral fee from the finance providers in our network upon successful placement. This compensation may vary by provider and product. In certain instances, the commission paid to Swoop may influence the interest rate or terms offered by the lender, which can affect the total amount payable under your agreement.
Credit Authorization & FCRA Notice: By submitting an application or registering an account, you provide “written instructions” to Swoop under the Fair Credit Reporting Act (FCRA) to obtain your personal and/or business credit profile from consumer reporting agencies. This information is used solely to evaluate your eligibility for financing and to match you with appropriate lenders in our network.
State-Specific Disclosures:
Florida & Utah: Swoop complies with state commercial financing disclosure laws regarding the transparency of terms for non-real estate secured commercial transactions.
Entity Information: Swoop Funding LLC is a Delaware limited liability company. US Headquarters: 43 W 23rd St, New York, NY 10010, United States. Contact: hello@swoopfunding.com
General Terms: Applicants must be 18 years of age or older. All firms must be registered and operating within the United States. SBA loans are issued by private lenders and guaranteed by the U.S. Small Business Administration; Swoop is not a government agency. Please review our Terms of Use and Privacy Policy for full details.
If you have a complaint, please refer to our Complaints Policy.
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