Swoop

Name

Swoop

Legal name

Swoop Finance Limited

Website

https://swoopfunding.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

101–250 employees

Ownership category

akta.pro rank

Product category

SME Lending Marketplace

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

Marketplace & Loan Aggregation Platforms (Borrower-Lender Matching) (FSAGAHAL)

akta.pro secondary industries

SME Lending Platforms & Embedded SME Credit (FSAKAGAJ), Mortgage Comparison, Marketplace & Rate-Shopping Platforms (FSALABAJ)

Keywords

• Business lending marketplace
• SME funding platform
• Credit broking services
• Business loan comparison
• Equity finance matching

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices8 records

Markets served

GTM type

B2B

Offering type

Digital Commerce or Content

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations

Revenue model

1. Commission from lenders: Swoop operates as a credit broker and receives commission from finance providers upon successful placement of business loans or finance products. Commission may be a fixed fee or percentage of the loan amount. For certain lenders, Swoop may have influence over the interest rate, which can impact the total amount payable.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Swoop operates a digital lending marketplace that aggregates business financing options from banks and alternative lenders, matching SMEs with loans, grants, equity, commercial mortgages, tax credits, asset finance, and business expense comparisons. The platform functions as a credit broker, earning commission from finance providers upon successful placement of funding products.

Product overview

Swoop is a business funding and savings platform that operates as a credit broker connecting SMEs with a wide range of financing options and cost-saving services. The platform offers a unified offering comprising multiple integrated modules: business loans (covering working capital, startup, secured/unsecured, and specialized financing like SaaS and ecommerce), business grants (including innovation and sustainability grants), equity finance (connecting with angels, VCs, and government schemes like EIS/SEIS), commercial mortgages and property finance, tax credits (R&D and RDEC), and asset finance. Additionally, the Compare & Save module helps businesses reduce expenses on insurance, banking, and energy. The platform serves distinct customer segments (businesses, advisors, brokers, bookkeepers) through regional operations across UK, Ireland, Australia, Canada, US, South Africa, and Namibia, facilitating over £1.5 billion in funding for 305,000+ global customers.

Differentiator

Problem solved

Functional benefit

Products and services

• Business Loans Facilitates access to various loan products including working capital loans, startup loans, secured and unsecured business loans, SME loans, and specialized financing such as SaaS finance, ecommerce financing, and franchise finance.
• Business Grants Helps businesses find and apply for grant funding including Smart grants, innovation grants, sustainability grants, grant advances, and match funding.
• Equity Finance Connects businesses with equity investors including business angels, venture capital investors, and crowdfunding investors, with access to government initiatives like EIS and SEIS.
• Commercial Mortgages & Property Finance Provides commercial mortgage solutions including development finance, bridging finance, commercial investment mortgages, and semi-commercial mortgages.
• Tax Credits Assists businesses with R&D tax credits and RDEC (Research and Development Expenditure Credit) claims.
• Asset Finance Enables businesses to finance assets including business car finance, business van finance, and general asset financing.
• Compare & Save Helps businesses save money by comparing and switching business insurance, bank accounts, savings accounts, energy providers, and money transfer services.
• Swoop for Advisors Platform segment for accountants and financial advisors to access funding solutions for their clients, including dedicated portal and tools for client funding matching.
• Swoop Broker Suite Digital platform for finance brokers to access and manage business finance options for their customers, including client funding applications and lender matching.
• Swoop for Bookkeepers Platform segment for bookkeepers to help their clients access business funding, with tools integrated into accounting workflows.
• Acquire a Business Service helping businesses acquire other businesses, providing financing solutions for acquisitions.
• Instant VAT Refunds Service providing VAT refund solutions for businesses.

Quantifiable outcome

• Over £1.5 billion in business funding facilitated
• +2 more outcomes

Named customers2 records

Segments5 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core.

• AAT (Association of Accounting Technicians)coreGTM or Marketing Partner · 27 March 2026AAT partnered with Swoop to support accountants and bookkeepers. The partnership enables AAT members to access Swoop's funding platform and financing solutions for their clients.
• BizFly LimitedcoreOthersBizFly Limited is the parent company of Swoop. The company is registered in Ireland (company number 601838) with Registered Office at Kinnear Court, Mullingar, Co. Westmeath, N91 TY40, Ireland. Swoop operates as a subsidiary and licensee of BizFly Limited.

Scale indicators6 records

Recent moves6 records

Expansion highlights7 records

Direct peers

• Lendio: US-based small business loan marketplace aggregating multiple lenders into a single application, serving the same SMB broker-to-lender matching use case as Swoop and a leading competitor in the US market Swoop is expanding into.
• Bionic: UK business comparison marketplace helping SMEs switch energy, insurance, telecoms, and banking — directly comparable to Swoop's Compare & Save module and operating the same multi-product commission model.
• Capify: UK and US alternative lender providing merchant cash advances and small business loans, also distributed through broker marketplaces like Swoop's — overlapping customer base and competitive in the SMB working capital segment.
• Funding Circle: UK-headquartered SME lending marketplace connecting businesses with multiple lenders and investors. Direct competitor to Swoop in the UK SME broker/lending space and explicitly named as one of Swoop's lending partners.
• Funding Xchange: UK fintech operating a business finance marketplace with automated lender matching for SMEs, directly comparable to Swoop's broker-to-lender matching proposition.
• Capitalise.com: UK-based business funding marketplace connecting SMEs with lenders for loans, invoice finance, and asset finance — operating the same multi-lender broker model as Swoop in the UK SMB market.

Broad incumbents

• Starling Bank: UK challenger bank with direct SME lending products embedded in its business banking app, competing for the same SME funding demand that Swoop routes through its marketplace — and a Swoop lending partner.
• Tide: UK digital business banking platform with embedded lending and capital-raising tools for SMEs. Comparable because it bundles funding access into its core banking product, reducing need for brokers like Swoop — and is itself a Swoop partner.
• iwoca: UK alternative lender offering flexible SME working capital loans through its own balance sheet and partner network. Comparable to Swoop in serving the SMB short-term funding segment and also a listed Swoop lending partner.

Emerging players

• Canopy (UK): UK fintech operating a rental property finance marketplace with comparable broker-style matching infrastructure to multiple lenders, overlapping in marketplace technology approach if not primary asset class.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/SwoopFunding
• Facebookfacebook.com/swoopfunding
• LinkedInlinkedin.com/company/swoopfunding

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds6 records

Investors9 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Swoop