{"id":43726,"date":"2025-12-06T04:29:15","date_gmt":"2025-12-06T04:29:15","guid":{"rendered":"https:\/\/swoopfunding.com\/us\/?post_type=lender-review&#038;p=43726"},"modified":"2025-12-08T16:55:03","modified_gmt":"2025-12-08T16:55:03","slug":"ebury-business-loan-review-interest-rates-eligibility-and-the-application-process","status":"publish","type":"lender-review","link":"https:\/\/swoopfunding.com\/us\/lender-review\/ebury-business\/","title":{"rendered":"Ebury business loan review: Interest rates, eligibility, and the application process"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"43726\" class=\"elementor elementor-43726\" data-elementor-post-type=\"lender-review\">\n\t\t\t\t<div class=\"elementor-element elementor-element-64fbc99 e-flex e-con-boxed e-con e-parent\" data-id=\"64fbc99\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0647557 elementor-widget elementor-widget-text-editor\" data-id=\"0647557\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Ebury sits in an unusual place in the business finance landscape. It isn\u2019t a traditional lender, and it isn\u2019t simply a payments platform. It\u2019s a global trade engine, a company built to help businesses operate across borders with the same ease they expect from domestic banking.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">That makes Ebury\u2019s financing tools feel different from what most SMEs picture when they hear the word \u201cloan.\u201d The company\u2019s lending sits alongside international payments, currency accounts, FX risk management, and large-scale mass-payment infrastructure, which means funding is just one part of a much larger ecosystem.<\/span><\/p><p><span style=\"font-weight: 400;\">For businesses that buy, sell, or operate internationally, that ecosystem can be a strategic advantage. Ebury\u2019s financing is designed to work in lockstep with global cash flow, not replace it. Below, you\u2019ll find a detailed breakdown of how Ebury\u2019s facilities work, who qualifies, and how the application process compares to other lenders.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5c47987 question elementor-widget elementor-widget-heading\" data-id=\"5c47987\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">An overview of Ebury business loans\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c869cb2 answer elementor-widget elementor-widget-text-editor\" data-id=\"c869cb2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Ebury\u2019s lending revolves around Supplier Payment Finance, a form of trade finance that helps businesses cover the cost of international goods and services. Unlike lenders that offer a wide mix of term loans and credit facilities, Ebury builds its funding around one very specific pain point: SMEs often need to pay suppliers long before revenue comes in.<\/span><\/p><p><span style=\"font-weight: 400;\">The result is a product that feels more like a <\/span><a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/working-capital-loans\/\"><span style=\"font-weight: 400;\">working capital<\/span><\/a><span style=\"font-weight: 400;\"> tool than a traditional business loan.\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-63d3e1e question elementor-widget elementor-widget-heading\" data-id=\"63d3e1e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Unsecured business loans<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3ed7532 answer elementor-widget elementor-widget-text-editor\" data-id=\"3ed7532\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Ebury\u2019s Supplier Payment Finance is fully unsecured, meaning the company does not take collateral over your goods or assets. Instead, funding is based on:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Revenue performance<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Trading history<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Net worth<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Submitted financial statements<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">You send Ebury your supplier invoice, and Ebury pays that supplier directly in any supported currency. You then repay Ebury up to 150 days later, in your domestic currency. The structure is built to smooth cash-flow cycles without requiring assets, personal property, or inventory as security.<\/span><\/p><p><span style=\"font-weight: 400;\">Ebury does note that in rare cases it may request a personal or cross-company guarantee, but the product is fundamentally unsecured by design.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0b77f0a question elementor-widget elementor-widget-heading\" data-id=\"0b77f0a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Secured business loans<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6288d2a answer elementor-widget elementor-widget-text-editor\" data-id=\"6288d2a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Ebury does not appear to offer traditional secured loans based on equipment, real estate, or other tangible assets. Its lending model relies on credit analysis rather than collateral. Any mention of security is limited to occasional guarantees, not asset-backed lending.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0d5472c question elementor-widget elementor-widget-heading\" data-id=\"0d5472c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Growth Guarantee Scheme<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e4f348 answer elementor-widget elementor-widget-text-editor\" data-id=\"2e4f348\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Based on the information we gathered, Ebury does not appear to advertise a <\/span><a href=\"https:\/\/swoopfunding.com\/uk\/government-support\/growth-guarantee-scheme\/\"><span style=\"font-weight: 400;\">Growth Guarantee Scheme<\/span><\/a><span style=\"font-weight: 400;\"> or an equivalent <\/span><a href=\"https:\/\/swoopfunding.com\/us\/sba-loans\/\"><span style=\"font-weight: 400;\">government-backed lending program<\/span><\/a><span style=\"font-weight: 400;\">. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-96c2456 question elementor-widget elementor-widget-heading\" data-id=\"96c2456\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Additional funding products<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8aeb766 answer elementor-widget elementor-widget-text-editor\" data-id=\"8aeb766\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Where Ebury stands out is in everything wrapped around its lending. Its broader ecosystem includes:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>International payments and collections<\/b><span style=\"font-weight: 400;\"> across over 130 currencies<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Local currency accounts<\/b><span style=\"font-weight: 400;\"> in your business\u2019s name<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>FX risk management<\/b><span style=\"font-weight: 400;\">, including forwards, options, and hedging strategies<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Mass payments<\/b><span style=\"font-weight: 400;\">, with 99.9% on-time delivery across more than 160 countries<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Supplier Payment Finance<\/b><span style=\"font-weight: 400;\">, offering extended payment terms without collateral<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">These tools allow businesses to centralise global operations (pay suppliers, hedge risk, receive international revenue, and finance purchases) all from one platform. For SMEs with global supply chains, that cohesion can be more valuable than a standalone loan.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-69d0d4e question elementor-widget elementor-widget-heading\" data-id=\"69d0d4e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is Ebury's typical interest rate<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2364798 answer elementor-widget elementor-widget-text-editor\" data-id=\"2364798\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Ebury does not publish a fixed \u201cinterest rate\u201d in the conventional sense. Instead, Supplier Payment Finance charges interest on a per-30-day basis, applied daily after a minimum 30-day period.<\/span><\/p><p><span style=\"font-weight: 400;\">The exact cost varies by assessment. The only explicit example provided is:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u00a3100,000 financed<\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>1% per 30 days<\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Repaid after 150 days<\/b><span style=\"font-weight: 400;\"> = total repayment <\/span><b>\u00a3105,000<\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Repaid after 60 days<\/b><span style=\"font-weight: 400;\"> = total repayment <\/span><b>\u00a3102,000<\/b><\/li><\/ul><p><i><span style=\"font-weight: 400;\">*This is illustrative only, not indicative of a guaranteed rate.<\/span><\/i><\/p><p><span style=\"font-weight: 400;\">For FX products such as forward contracts and hedging tools, Ebury charges no upfront fees but earns via spreads or facility costs, depending on the product type and jurisdiction.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-593d4a2 question elementor-widget elementor-widget-heading\" data-id=\"593d4a2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How much can I borrow with an Ebury business loan?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-716c281 answer elementor-widget elementor-widget-text-editor\" data-id=\"716c281\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Ebury does not publicly publish minimum or maximum borrowing limits for Supplier Payment Finance. Instead, credit availability depends on:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Annual revenue<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Net worth<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Trading history<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Submitted financials<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">The company does state minimum eligibility requirements, but not a firm upper limit. Given Ebury\u2019s scale \u2014 21,000+ clients, 1.6M+ payments, operations in 29 markets \u2014 the facility size is likely tailored to the business rather than fixed by product category.<\/span><\/p><p><span style=\"font-weight: 400;\">If exact borrowing limits matter for planning, a direct conversation with Ebury will be your best bet.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-522556f question elementor-widget elementor-widget-heading\" data-id=\"522556f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is the acceptance rate for an Ebury business loan?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8ff8175 answer elementor-widget elementor-widget-text-editor\" data-id=\"8ff8175\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Ebury does not publish an approval or acceptance rate. Most trade finance providers make decisions based on <\/span><a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/cash-flow-loans\/\"><span style=\"font-weight: 400;\">cash flow<\/span><\/a><span style=\"font-weight: 400;\">, financial stability, and supplier profiles rather than credit score alone, but no specific probability or benchmark is disclosed.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-790ded4 question elementor-widget elementor-widget-heading\" data-id=\"790ded4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Eligibility criteria and whether you qualify\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-01171be answer elementor-widget elementor-widget-text-editor\" data-id=\"01171be\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Ebury\u2019s Supplier Payment Finance requires a business to meet several tangible thresholds:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>At least \u00a31M annual revenue<\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u00a3100,000 tangible net worth<\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>At least two years of healthy trading history<\/b><\/li><\/ul><p><span style=\"font-weight: 400;\">These are clear, quantitative markers, and more transparent than what many lenders provide. The criteria lean toward established SMEs rather than early-stage founders or pre-revenue businesses.<\/span><\/p><p><span style=\"font-weight: 400;\">Beyond these benchmarks, Ebury also considers:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Up-to-date management accounts<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Aged debtor and creditor lists<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Consistency of revenue<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Supplier relationships and invoice patterns<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Since the product is unsecured, financial discipline and stable performance are key indicators.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ee231ed question elementor-widget elementor-widget-heading\" data-id=\"ee231ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Additional information<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fe0de23 answer elementor-widget elementor-widget-text-editor\" data-id=\"fe0de23\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Let\u2019s round up operational details that often influence a business\u2019s decision long before pricing does.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fc9b81d question elementor-widget elementor-widget-heading\" data-id=\"fc9b81d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Early repayment fees<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-da1ce7b answer elementor-widget elementor-widget-text-editor\" data-id=\"da1ce7b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Ebury does not list any penalties for early repayment. Because interest accrues daily after the minimum 30-day period, repaying earlier simply reduces total cost, as shown in the examples above. There is no reference to added fees for settling ahead of schedule.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-63701e8 question elementor-widget elementor-widget-heading\" data-id=\"63701e8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">How long does it take to get approved?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a5cede answer elementor-widget elementor-widget-text-editor\" data-id=\"4a5cede\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Ebury states:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Once all required documentation is submitted, setup can take up to two weeks.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The company works to expedite this timeline when possible.<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">This is slower than automated fintech approvals but standard for <\/span><a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/unsecured-business-loans\/\"><span style=\"font-weight: 400;\">unsecured trade finance<\/span><\/a><span style=\"font-weight: 400;\">, especially when credit analysis replaces collateral.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dcf223e question elementor-widget elementor-widget-heading\" data-id=\"dcf223e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Estimated time to receive funds<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-92c1560 answer elementor-widget elementor-widget-text-editor\" data-id=\"92c1560\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Once the facility is approved:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You forward your supplier invoice<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ebury pays the supplier directly in the required currency<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">There is no publicly stated turnaround time between invoice submission and supplier payment, but the product is designed for speed in international transactions. In practice, supplier disbursement happens quickly because this is the core purpose of the facility.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3d3458e question elementor-widget elementor-widget-heading\" data-id=\"3d3458e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Can a loan be repaid early?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-648c4d9 answer elementor-widget elementor-widget-text-editor\" data-id=\"648c4d9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Yes. And repayment flexibility is one of the advantages of the product.<\/span><\/p><p><span style=\"font-weight: 400;\">If you repay earlier than the full 150-day window, your cost adjusts downward because interest is calculated daily. There are no penalties mentioned for paying ahead of schedule.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b893c3c question elementor-widget elementor-widget-heading\" data-id=\"b893c3c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Is security required?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-098beba answer elementor-widget elementor-widget-text-editor\" data-id=\"098beba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">For almost all customers:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>No collateral is required<\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>No title over goods is taken<\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>No security is demanded up front<\/b><\/li><\/ul><p><span style=\"font-weight: 400;\">Ebury may, in rare cases, request a personal or cross-company guarantee. But the product is structured as an unsecured facility.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-487385f question elementor-widget elementor-widget-heading\" data-id=\"487385f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What documentation is required<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d86a2d3 answer elementor-widget elementor-widget-text-editor\" data-id=\"d86a2d3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Ebury\u2019s documentation requirements are more robust than fast-turnaround lenders but common for trade finance.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-15150d0 question elementor-widget elementor-widget-heading\" data-id=\"15150d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Business information\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1da0c9a answer elementor-widget elementor-widget-text-editor\" data-id=\"1da0c9a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">You\u2019ll need to provide:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Two years of full accounts<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Monthly or quarterly management accounts for the last 12 months<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Aged debtor and creditor lists<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Evidence of healthy trading<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Revenue and net worth confirmation<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Since Ebury funds supplier invoices directly, the company may also request documentation related to supply chains or trading partners.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-45dac69 question elementor-widget elementor-widget-heading\" data-id=\"45dac69\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Business owner information\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fddbb74 answer elementor-widget elementor-widget-text-editor\" data-id=\"fddbb74\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Ebury\u2019s webpage does not list personal financial requirements or identity documentation for owners. Most regulated finance providers require KYC\/AML checks at minimum, but Ebury does not specify upfront.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ec76b2a question elementor-widget elementor-widget-heading\" data-id=\"ec76b2a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Funding requirement\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f7b453c answer elementor-widget elementor-widget-text-editor\" data-id=\"f7b453c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">To initiate a transaction under the facility:<\/span><\/p><ol><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Your supplier issues an invoice<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You forward that invoice to Ebury<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ebury pays the supplier in their local currency<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You repay Ebury in your domestic currency within the agreed window<\/span><\/li><\/ol><p><span style=\"font-weight: 400;\">Because this is <\/span><a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/invoice-finance\/\"><span style=\"font-weight: 400;\">invoice-backed financing<\/span><\/a><span style=\"font-weight: 400;\"> rather than a cash advance, the \u201cfunding requirement\u201d is the underlying supplier invoice itself.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b1b0095 question elementor-widget elementor-widget-heading\" data-id=\"b1b0095\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How to apply for an Ebury business loan\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4faf6e1 answer elementor-widget elementor-widget-text-editor\" data-id=\"4faf6e1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">The application is straightforward but documentation-heavy. You submit financials, meet eligibility thresholds, and Ebury completes its credit assessment.<\/span><\/p><p><span style=\"font-weight: 400;\">Once approved, you gain access to a flexible credit line rather than a one-off loan.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-977766a question elementor-widget elementor-widget-heading\" data-id=\"977766a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Is the application process different to other lenders?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-21dba5d answer elementor-widget elementor-widget-text-editor\" data-id=\"21dba5d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Yes. Most lenders ask for bank statements and credit scores. Ebury evaluates:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Trading history<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Full sets of accounts<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Supplier activity<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Global currency exposure<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Invoice cycles<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Risk tolerance<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Revenue consistency<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">The credit analysis is closer to traditional trade finance than to revenue-based lending or term loans. That reflects Ebury\u2019s role as a partner in international payments, not just a capital provider.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-edabecd question elementor-widget elementor-widget-heading\" data-id=\"edabecd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">How to improve your chances of getting funded<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-db5f29b answer elementor-widget elementor-widget-text-editor\" data-id=\"db5f29b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Based on Ebury\u2019s criteria, the strongest applicants will:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Maintain clear, up-to-date accounting records<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Show steady year-over-year trading performance<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Demonstrate healthy net worth<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Operate with consistent supplier patterns<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Provide management accounts promptly<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Show reliable debtor behaviour<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Because Ebury\u2019s facility is unsecured, financial hygiene carries more weight than collateral.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-db8d0bd question elementor-widget elementor-widget-heading\" data-id=\"db8d0bd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Pros &amp; cons of an Ebury business loan<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-726b9fa answer elementor-widget elementor-widget-text-editor\" data-id=\"726b9fa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Before choosing a lender, it helps to see the trade-offs clearly. Ebury\u2019s model works extremely well for certain types of businesses, and not at all for others.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4b39249 elementor-widget elementor-widget-ucaddon_pros\" data-id=\"4b39249\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_pros.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n\t\t\t \n <div class=\"pros\">\n <div class=\"header-pro\">\n <img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/us\/wp-content\/themes\/swoopMW50\/assets\/images\/pros.svg\" width=\"72\" height=\"72\" alt=\"Pros\">\n <p class=\"title\">Pros<\/p>\n <\/div>\n <div class=\"content-pro\">\n <p><span style=\"font-weight: 400;\">Ebury offers several meaningful advantages:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Unsecured funding<\/b><span style=\"font-weight: 400;\"> \u2014 no collateral and no title over goods<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Up to 150-day repayment<\/b><span style=\"font-weight: 400;\"> to match international trade cycles<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Supplier payments in any currency<\/b><span style=\"font-weight: 400;\">, with repayment in your own<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Long-term FX expertise<\/b><span style=\"font-weight: 400;\"> supporting risk management<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Integrated ecosystem<\/b><span style=\"font-weight: 400;\"> (payments, accounts, FX, financing)<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Improved supplier relationships<\/b><span style=\"font-weight: 400;\"> through earlier payments<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>No upfront or subscription fees<\/b><span style=\"font-weight: 400;\"> to open an account<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Competitive FX rates<\/b><span style=\"font-weight: 400;\"> via access to 15+ liquidity providers<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Mass payment infrastructure<\/b><span style=\"font-weight: 400;\"> with 99.9% on-time delivery<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">The combination of financing plus cross-border operations is where Ebury stands out.<\/span><\/p> <\/div>\n <\/div>\n \n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ae6d1b elementor-widget elementor-widget-ucaddon_cons\" data-id=\"4ae6d1b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_cons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n\t\t\t \n <div class=\"cons\">\n <div class=\"header-cons\">\n <img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/us\/wp-content\/themes\/swoopMW50\/assets\/images\/cons.svg\" width=\"72\" height=\"72\" alt=\"Cons\">\n <p class=\"title\">Cons<\/p>\n <\/div>\n <div class=\"content-cons\">\n <p><span style=\"font-weight: 400;\">Some limitations are worth noting:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Requires \u00a31M or more in revenue<\/b><span style=\"font-weight: 400;\">, excluding smaller SMEs<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Two-year trading history required<\/b><span style=\"font-weight: 400;\">, not suitable for early-stage firms<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Approval can take up to two weeks<\/b><span style=\"font-weight: 400;\">, slower than fintech lenders<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Interest rates are not published<\/b><span style=\"font-weight: 400;\">, making comparison harder<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Documentation requirements are extensive<\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Facility amount not disclosed publicly<\/b><span style=\"font-weight: 400;\">, requiring manual consultation<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Ebury is built for established businesses, not startups looking for quick cash.<\/span><\/p> <\/div>\n <\/div>\n \n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3d7ba87 question elementor-widget elementor-widget-heading\" data-id=\"3d7ba87\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Alternative funding options for different lenders\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ff455f1 answer elementor-widget elementor-widget-text-editor\" data-id=\"ff455f1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">If Ebury\u2019s model doesn\u2019t quite fit, other lenders may offer:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Term loans<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/revenue-based-financing\/\"><span style=\"font-weight: 400;\">Revenue-based financing<\/span><\/a><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Invoice factoring<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Merchant cash advances<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Working capital loans<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/asset-finance\/equipment-financing\/startup-equipment-finance\/\"><span style=\"font-weight: 400;\">Equipment finance<\/span><\/a><\/li><\/ul><p><span style=\"font-weight: 400;\">Each comes with different eligibility criteria, cost structures, and funding speeds. Businesses that don\u2019t meet Ebury\u2019s revenue or trading history requirements may find broader options through a marketplace like Swoop.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4627ef0 question elementor-widget elementor-widget-heading\" data-id=\"4627ef0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Why use a finance broker?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-140b9b5 answer elementor-widget elementor-widget-text-editor\" data-id=\"140b9b5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">A broker doesn\u2019t just compare rates, it helps you understand which products match your business model. With Ebury, that matters. Supplier Payment Finance is powerful but specialised. A broker can help determine whether trade finance, revenue-based funding, or a traditional loan gives you the most flexibility, the lowest cost, or the best fit for your cash-flow cycle.<\/span><\/p><p><span style=\"font-weight: 400;\">Platforms like Swoop simplify this process by showing multiple lenders, criteria, and potential offers in one place.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f13f0f question elementor-widget elementor-widget-heading\" data-id=\"2f13f0f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Get started with Swoop's business funding platform<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e1539bb answer elementor-widget elementor-widget-text-editor\" data-id=\"e1539bb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">If you\u2019re exploring Ebury as a potential partner or want to compare its facility with traditional lenders, fintech platforms, or SBA products, Swoop gives you a clean path forward. One application lets you review multiple funding options, assess eligibility, and understand which structure best supports your next stage of growth.<\/span><\/p><p><a href=\"https:\/\/swoopfunding.com\/us\/business-loans\/apply-now\/\"><span style=\"font-weight: 400;\">Apply with Swoop today<\/span><\/a><span style=\"font-weight: 400;\"> to compare Ebury\u2019s trade finance solution against a full market of business funding offers and choose the option that supports your global ambitions.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9d26aaa elementor-widget elementor-widget-button\" data-id=\"9d26aaa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/swoopfunding.com\/us\/business-loans\/apply-now\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Register with Swoop to discover your tailored options<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"author":99,"featured_media":0,"parent":0,"template":"","lender-review-categories":[410],"class_list":["post-43726","lender-review","type-lender-review","status-publish","hentry","lender-review-categories-lenders"],"acf":[],"featured_image_urls_v2":{"full":"","thumbnail":"","medium":"","medium_large":"","large":"","1536x1536":"","2048x2048":"","image_blog":"","image_blog_full":"","image_podcast":"","image_banking":"","image_blog_internal":"","image_blog_medium":"","image_single_banking":""},"post_excerpt_stackable_v2":"<p>Ebury sits in an unusual place in the business finance landscape. It isn\u2019t a traditional lender, and it isn\u2019t simply a payments platform. It\u2019s a global trade engine, a company built to help businesses operate across borders with the same ease they expect from domestic banking.\u00a0That makes Ebury\u2019s financing tools feel different from what most SMEs picture when they hear the word \u201cloan.\u201d The company\u2019s lending sits alongside international payments, currency accounts, FX risk management, and large-scale mass-payment infrastructure, which means funding is just one part of a much larger ecosystem.For businesses that buy, sell, or operate internationally, that ecosystem&hellip;<\/p>\n","category_list_v2":"","author_info_v2":{"name":"Ashlyn Brooks","url":"https:\/\/swoopfunding.com\/us\/author\/ashlyn-brooks\/"},"comments_num_v2":"0 comments","_links":{"self":[{"href":"https:\/\/swoopfunding.com\/us\/wp-json\/wp\/v2\/lender-review\/43726","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/swoopfunding.com\/us\/wp-json\/wp\/v2\/lender-review"}],"about":[{"href":"https:\/\/swoopfunding.com\/us\/wp-json\/wp\/v2\/types\/lender-review"}],"author":[{"embeddable":true,"href":"https:\/\/swoopfunding.com\/us\/wp-json\/wp\/v2\/users\/99"}],"version-history":[{"count":10,"href":"https:\/\/swoopfunding.com\/us\/wp-json\/wp\/v2\/lender-review\/43726\/revisions"}],"predecessor-version":[{"id":43740,"href":"https:\/\/swoopfunding.com\/us\/wp-json\/wp\/v2\/lender-review\/43726\/revisions\/43740"}],"wp:attachment":[{"href":"https:\/\/swoopfunding.com\/us\/wp-json\/wp\/v2\/media?parent=43726"}],"wp:term":[{"taxonomy":"lender-review-categories","embeddable":true,"href":"https:\/\/swoopfunding.com\/us\/wp-json\/wp\/v2\/lender-review-categories?post=43726"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}