Swift working capital finance

  • Borrow up to $50,000 for 12 months
  • Unsecured, low rate working capital
  • Approval typically within 24 hours
Calculate and apply now Request a call back

Fast, fair finance for your business

Unlike some other small business lenders, Swift working capital is fair, with low rates and no hidden fees or charges.

  • Low interest rates

    We reward established, growing businesses with low rates

  • Fast

    Apply online in minutes. Get a decision and your funds in as little as 1 business day

  • Easy

    Minimal documentation and no security required

  • Simply smarter

    Affordable monthly payments with no early repayment penalties or break costs

Ready to apply for low rate business finance?

Calculate and apply now

Working capital in three easy steps

  1. 1

    Apply online

    Apply for low rate business finance in minutes online, not hours in a branch

    10 minutes
  2. 2

    Get a decision

    We may be in touch to discuss your requirements in more detail. Some approvals happen within minutes, but it can take up to one business day to make a decision after we've received everything we need

    From 30 minutes
  3. 3

    Receive your funds

    Funds will be transferred to your bank account on the business day after your loan is funded. Same day transfer may be available in some cases

    Next business day
You're eligible to apply if you:
  • Can demonstrate annual turnover of $250,000+
  • Have a good credit history
  • Have been trading for at least 2 years


How do we compare?

How RateSetter Swift loans compare  

Interest rates sourced from Mozo.com.au as at 3 October 2017 for unsecured business loans. Monthly interest rates have been annualised. Some may express interest rate as a factor rate.
Comparison based on the interest rates for unsecured business loans, similar to that offered by RateSetter as published by ANZ, NAB and Macquarie Bank on their websites as at 4 Oct 2017.
Interest rates, fees and charges may vary depending on the loan provider, the loan term and the financial circumstances of the borrower. Some may charge no fees, with the effective cost of the loan instead being increased through a higher interest rate.
Note: Estimated time to receive funds is following approval of finance and assumes same day transfer.
Source: Digital Finance Analytics survey of 52,000 SMEs. Data available at http://www.digitalfinanceanalytics.com/blog. Average based on results from December 2016 - September 2017.
These rates fees and product terms are indicative only and your business’ specific loan terms may vary.

Questions? Request a callback

A RateSetter business finance expert will call during business hours to discuss your requirements

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Or email or call 1300 672 040 to speak to a RateSetter business finance expert

Helping Australians do better, together


Value of personal loans funded

30,000+ delighted borrowers

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