Los Angeles · U.S. small-business capital

Swish Funding

Fast, flexible capital for small businesses that can't wait for a bank.

Fast, flexible small-business funding from $10K to $5M — approved in minutes, funded in 24 hours. Built for owners who need to move — payroll, inventory, expansion — without the slow, paperwork-heavy path of traditional credit.

Apply nowSee how it worksNo credit-score impact. No collateral.
Time to decision
Minutes
Time to funding
24 hrs
Capital range
$10K – $5M
Credit-score impact
None
Live offer preview
Pre-approved
$250,000 · 18-month term
Indicative offer — your terms will be tailored to revenue and operating history.
Approval4 min
Funded byTomorrow
Credit pullNone
Capital amount$250,000
RepaymentUp to 24 months
Use of fundsPayroll, inventory, expansion
OriginationNo collateral required
Request this offer
41smedian decision
$5Mmax capital
0credit-score impact
How it works

From application to funded — three steps, one day.

No branch visit. No 60-page SBA packet. The AI-driven funnel collects what underwriters need up front so offers come back in minutes, not weeks.

  1. 01

    Apply online

    A short application collects the basics — about 3 minutes. No hard credit pull, no document upload to start.

  2. 02

    Get an offer

    Most applicants see a tailored offer during business hours. Review the amount, cost and repayment structure side by side.

  3. 03

    Fund in 24 hours

    Accept and sign electronically — funds arrive in the business bank account, often the next business day.

$10K – $5MWorking capital range
Up to 24 moMaximum repayment term
MinutesTime to a decision
24 hrsTime-to-fund on accepted offers
Where the capital goes

Built for the operating realities of working businesses.

From a single location to a fleet of trucks, Swish is structured for industries where revenue is steady but cash flow is not.

Any stage, any sector
Capital that fits the way your business actually moves.
Whether you're smoothing a seasonal dip, opening a second location, or buying inventory before a holiday cycle — Swish structures offers around the real shape of your cash flow, not a one-size-fits-dollar loan product.
Talk to an underwriter
Medical & dental
Cover payroll, equipment and expansion between insurance reimbursements.
Retail & ecommerce
Stock the next season, ride out a slow quarter, fund a second location.
Home services
Bridge materials and crew costs while invoices are still outstanding.
Oil & gas
Working capital through project cycles — no slow bank underwriting.
Restaurants
Cover food cost spikes, renovations, or a new opening without a wait.
General working capital
Anything that moves the business forward — terms up to 24 months.
Why Swish

Speed without the small-print trap.

“A bank told us eight weeks. Swish approved us the same afternoon and we had the cash by the next morning.”
— Operations lead, regional home-services company

Swish Funding is built by operators who came from the broker channel — founders Joel Bess and Zack Brown launched the company in 2021 to fix the parts of alternative lending that owners complain about: opaque terms, surprise fees, weeks of waiting. The funnel is AI-driven; the underwriting is human.

Speed
Minutes, not weeks.

Most applications get an indicative offer during business hours — no waiting on a loan committee.

Scale
$10K to $5M.

One product range, not three different applications. Get sized to the real need, not the smallest bank will approve.

Soft touch
No credit-score hit.

Standard process skips the hard pull — so applying doesn’t lower the score for the next, slower lender in line.

Flex
Up to 24 months.

MCA-style or short-term capital — repayment matches the operating rhythm, not a fixed amortization table.

FAQ

The questions owners ask before they apply.

Don't see yours? Reach out directly — a real person answers.

Ask a question

Ready when you are

Apply in minutes. Funded by tomorrow.

Send a short email — your business name, monthly revenue and what the funds are for — and an underwriter will reach back with an indicative range the same business day.

Start an applicationswish-funding@polsia.app

A few things to know

Swish Funding provides merchant cash advances and short-term capital products. Products are not bank loans; repayment structure and cost vary by offer. Approval, amount, and term are based on the business's revenue profile and operating history, not collateral. Applying does not impact the borrower's personal credit score under the standard process. Examples shown on this page (e.g. $250,000 / 18 months) are illustrative.

For full terms, disclosure schedules, and state-specific licensing information, contact swish-funding@polsia.app.