Southwest Credit

What Southwest Credit does

Southwest Credit is a privately held, San Antonio-based asset-based lender founded in 1998 that originates equipment financing and leases ($20,000 to $10,000,000), accounts receivable financing and factoring ($100,000 to $10,000,000), cash flow and merchant financing ($50,000 to $5,000,000), SBA 7a loans (up to $5,000,000), and structured asset-based and real estate financing ($500,000 to $10,000,000) to small and mid-sized businesses across the continental United States. Its stated positioning is as an alternative to traditional bank credit for borrowers who have been rejected by or de-banked from their primary bank, with specialized underwriting for construction, transportation, warehousing, medical, and manufacturing verticals — including up to 95–97% advances on transportation invoices.

The company operates a direct, inside-sales-led go-to-market model: applications are captured via a website business credit application (with industry-specific forms and downloadable PDFs), phone consultations, and email inquiries. Revenue is generated through transaction fees, origination fees, and interest on financed balances across the financing facilities, with no public pricing disclosure. Through its wholly-owned subsidiary Southwest Business Solutions (established 2008), the firm also sells fractional CFO/accounting services and consulting (business plans, SBA packages, minority certificates, business valuations, M&A advisory) on hourly or monthly-fee terms to the same SMB client base. Headcount is reported at 1–10 employees, indicating a small operating footprint relative to its national service area. No proprietary technology platform, AI capabilities, or external funding rounds are disclosed.

Name

Southwest Credit

Legal name

Southwest Credit

Website

https://swcreditlender.com

Company type

Private

Founded year

1998

Operating status

Operating

Headcount range

1–10 employees

Short description

Southwest Credit is a privately held, San Antonio-based asset-based lender founded in 1998 that originates equipment financing, AR factoring, cash flow, SBA, and structured real estate loans ($20K–$10M) to SMBs across the continental US that have been rejected by traditional banks, and also sells fractional CFO and consulting services via subsidiary Southwest Business Solutions.

Ownership category

akta.pro rank

Product category

Asset-Based Lending and Business Financing

NAICS

Credit Intermediation and Related Activities (522), Sales Financing (52222)

SIC

Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Asset-Based Lending (ABL) (FSANADAD)

akta.pro secondary industries

SBA/Government-Backed & Development Finance Loans (FSAKAGAI), Merchant Cash Advance (MCA) & Revenue-Based Financing (FSAKAGAD)

Keywords

• Equipment financing leasing
• Accounts receivable factoring
• Asset-based lending
• SBA loan financing
• Business cash advance

Headquarters

HQ city

San Antonio

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Equipment Financing and Leasing: Financing and leasing of equipment for businesses with amounts ranging from $20,000 to $10,000,000. Revenue is generated through interest and fees on financed equipment purchases. Terms are 2-5 years with monthly payments (heavy equipment up to 7 years). Minimum two years in business required, with exceptions for startups up to $50,000 for owners with 680+ FICO scores.
2. Accounts Receivable Financing and Factoring: Provides working capital against accounts receivable with advances of 80-85% for final billing and up to 95-97% for transportation invoices. Facility amounts range from $100,000 to $10,000,000. Revenue generated through factoring fees and interest on advances. Lines of credit are for one year with direct repayments from clients.
3. Cash Flow and Merchant Financing: Short-term working capital financing based on monthly income shown in bank statements or credit card billing. Amounts range from $50,000 to $5,000,000 with terms under one year or lines of credit with fixed repayments. Revenue from transaction fees and interest.
4. Structured Asset Based and Real Estate Financing: Customized financing solutions for business needs with minimum amounts of $500,000 to maximum of $10,000,000. Revenue generated through arrangement fees and ongoing interest charges.
5. SBA Financing: SBA 7a program financing up to $5,000,000 with bank rates. Used for working capital, debt refinancing, purchasing fixed assets, real estate acquisition, and construction. Revenue generated through origination fees and interest.
6. Fractional CFO and Accounting Services: Provides accounting and CFO help at a fraction of full-time cost. Charged hourly or monthly fee. Addresses cash flow problems, accounts receivable/payable control, financial statement preparation, and CFO oversight needs.
7. Consulting Services: Business plan preparation, financing application packages (including SBA), minority certificate applications, business valuations, and M&A advisory services. Charged hourly or per project.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels8 records

Core offering

Southwest Credit is an asset-based lending company providing equipment financing and leasing, accounts receivable financing and factoring, cash flow and merchant financing, structured asset-based and real estate financing, and SBA loans to businesses that have been rejected or underserved by traditional banks. The company operates through its subsidiary Southwest Business Solutions, which offers fractional services and consulting services to support small businesses with financial management and growth strategy.

Product overview

Southwest Credit is a financial services company operating since 1998 that offers a comprehensive suite of asset-based lending products, including Equipment Financing and Leasing, Accounts Receivable Financing and Factoring, Cash Flow and Merchant Financing, Structured Asset Based and Real Estate Financing, and SBA Financing. The company also provides administrative services through its subsidiary Southwest Business Solutions (operating since 2008), which offers Fractional Services (accounting and CFO support) and Consulting Services (business plans, financing applications, minority certificates, business valuations). The product portfolio ranges from $20,000 to $10,000,000 depending on the financing type, with SBA financing available up to $5,000,000.

Differentiator

Problem solved

Functional benefit

Brands

• Southwest Business Solutions: US Subsidiary specializing in Administrative Services including Fractional Services (Accounting and CFO) and Consulting Services (Business Plans, SBA Packages, Minority Certificates, Business Valuations, Sale Representation). Operates in the Southwest region including Texas and California.

Products and services

• Equipment Financing and Leasing Financing and leasing solutions for businesses needing equipment, targeting companies that may not qualify for traditional bank financing. Used by construction, transportation, and other equipment-intensive industries.
• Accounts Receivable Financing and Factoring Invoice factoring and accounts receivable financing where businesses sell or borrow against outstanding invoices. Offers 95-97% advance rates on transportation invoices. Primarily serves transportation, staffing, and B2B service companies.
• Cash Flow and Merchant Financing Short-term financing based on business cash flow and merchant credit card receipts, providing working capital to small businesses with revenue but limited access to traditional credit.
• Structured Asset Based and Real Estate Financing Custom-structured financing that uses business assets and real estate as collateral for larger or more complex funding needs. Targets businesses needing higher capital amounts that cannot be met through conventional loans.
• SBA Financing

Quantifiable outcome

• Transportation invoice advances up to 95-97% (compared to standard 80-85%)
• +3 more outcomes

Segments6 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators3 records

Recent moves3 records

Expansion highlights3 records

Emerging players

• BlueVine: Online SMB lender offering lines of credit, invoice factoring, and term loans to small businesses; comparable end-customer segment but technology-led delivery rather than inside-sales.
• OnDeck: Digital SMB lender focused on short-term working capital loans and equipment financing; competes for similar bank-rejected SMB customers but at greater scale and via proprietary technology.

Broad incumbents

• CIT Group: Large commercial lender offering equipment financing, factoring, asset-based lending, and SBA loans; comparable product portfolio but at institutional scale across multiple verticals.
• Wells Fargo Equipment Finance: Large incumbent equipment finance arm of a major US bank, offering equipment leasing and financing across industries with significantly greater balance sheet and product breadth than Southwest Credit.

Direct peers

• Balboa Capital: Direct competitor providing equipment leasing and financing to SMBs across industries, including construction and transportation, with a similar multi-product approach and inside-sales distribution model.
• Triumph Business Capital: Specialized freight factoring provider for trucking carriers, directly comparable to Southwest Credit's transportation AR financing and high-advance-rate positioning.
• Crest Capital: Specialist equipment leasing and financing company serving small and mid-sized businesses across the US, closely comparable in product mix and target customer profile to Southwest Credit.
• eCapital (formerly Gibraltar Business Capital): Provides factoring, asset-based lending, and working capital lines to SMBs across industries, comparable in product breadth and customer segments to Southwest Credit's structured ABL offerings.
• Apex Capital Corp: One of the largest transportation factoring companies in the US, directly comparable on the trucking AR financing product where Southwest Credit offers differentiated 95-97% advance rates.
• TFS Financial (Truckers Financial Services): Trucking-focused factoring company offering AR financing and small business loans to carriers, directly comparable on transportation invoice advance products.

Market position

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 record

Funding overview

Funding rounds

Investors

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 Southwest Credit