Funding examples from businesses like yours.
Four funded deals, one for each product we place: a restaurant cash advance, a Reverse Consolidation of three stacked advances, a wholesaler’s line of credit and a restaurant group’s kitchen equipment. Names and locations withheld. Results vary and are never guaranteed.
How to read these
- What they are
- Funded deals, with the business name, location and exact figures generalized.
- What they are not
- Reviews, testimonials or endorsements. No business has rated us by appearing here.
- What to take from them
- Which product fits which problem, and what underwriting looked for.
- What not to take
- An expectation of the same amount, cost or timing. Every file is priced on its own.
A restaurant stocking up before peak season.
An independent restaurant with two-plus years in business needed working capital in the same week: inventory for the season that pays for the year, payroll through the ramp, and equipment upgrades it had been putting off. A bank term loan would have taken weeks the calendar did not allow.
The file showed steady card and delivery-platform deposits, so a merchant cash advance fit. The funding partner purchased a portion of future receivables and the restaurant remitted a fixed amount from daily sales, so the outflow tracked the season it was funding.
More on how underwriting reads restaurant deposits in the restaurant funding guide.
- Funding amount
- $75,000
- Business type
- Restaurant
- Time in business
- 2+ years
- Product
- Merchant cash advance
Challenge: Needed immediate working capital to purchase inventory, cover payroll, and complete equipment upgrades before peak season.
Solution: Swyft Advance arranged fast funding with a streamlined approval process and a remittance structure the restaurant’s daily sales could carry.
Result: The business secured inventory in time for peak sales season, improved operational efficiency, and increased monthly revenue opportunities.
Three daily debits turned into one weekly remittance.
A merchant was carrying three merchant cash advances at once, with three separate daily ACH debits leaving the account before the day’s sales had cleared. The business was current on all three, but there was nothing left over for inventory, and one slow week would have meant a missed debit.
Another advance would have added a fourth debit. Reverse Consolidation did the opposite: a funding partner purchased a portion of future receivables and sent a weekly disbursement that covered the three existing advances, while the merchant remitted one lower weekly amount over a longer term. The existing advances were still paid in full.
A lower weekly payment usually means a longer term and a higher total cost. Your advisor shows that trade in dollars before you decide. Run your own weekly numbers in the calculator.
- Before
- $1,516 per day across three advances
- After
- One weekly remittance of $4,250
- Weekly difference
- About $3,330, a 44% reduction
- Freed up monthly
- $14,000+ for inventory and operations
Challenge: Three stacked advances consumed the account every morning, leaving no room to operate and no margin for a slow week.
Solution: Weekly disbursements from the funding partner covered the existing advances; the merchant remitted a single, smaller weekly amount.
Result: The business kept every existing advance current, regained weekly cash flow, and stopped adding positions.
A wholesaler whose inventory need changed every month.
A wholesale distributor with three-plus years in business did not need one lump sum. It needed to buy heavily in some months and hardly at all in others, and it was tired of reapplying each time a large order came in.
A revolving business line of credit from a lending partner let the company draw what each purchase required, repay out of the sales that followed, and draw again. Cost accrued only on the amount drawn, so quiet months cost little.
- Approved credit line
- $100,000
- Business type
- Wholesale distributor
- Time in business
- 3+ years
- Product
- Revolving line of credit
Challenge: Fluctuating inventory demands and a need for flexible access to capital without applying for financing repeatedly.
Solution: A revolving business line of credit that let the company draw funds as inventory needs changed through the year.
Result: Maintained steady inventory levels, improved vendor relationships, and kept ongoing access to working capital for growth.
A restaurant group replacing a kitchen before opening the next location.
A restaurant group with four-plus years in business was opening an additional location and needed to replace aging kitchen equipment at the same time. Paying cash would have drained the reserves the new location needed for staffing, inventory and marketing.
Equipment financing through a lending partner paid the vendor directly for the new kitchen, and the group made fixed monthly payments over the useful life of the equipment. Operating cash stayed in the business for the opening.
Kitchen equipment terms and what lenders ask for are covered in the restaurant equipment section.
- Equipment financed
- Commercial kitchen equipment
- Business type
- Restaurant group
- Time in business
- 4+ years
- Product
- Equipment financing
Challenge: Needed to upgrade aging kitchen equipment before opening an additional location without using operating cash reserves.
Solution: Equipment financing that let the business purchase and install upgraded equipment with manageable payments over time.
Result: The company expanded successfully, improved kitchen efficiency, and preserved working capital for staffing, inventory and marketing.
Four different products, the same underwriting.
Each file was decided on deposits, not a credit score
The businesses above had different needs and got different products, but the funding partners read the same things in each file. These are the signals that moved them from application to deposit.
See the full process on how it works, or the guide for your trade: Trucking · Restaurants · Construction · Medical · Retail
We publish reviews only when a funded customer gives one.
You will not find star ratings or quoted testimonials on this site unless they came from an identifiable customer who funded with us and agreed to be published. Lending is a category where invented praise is common, and we would rather show you how deals actually worked than borrow credibility we have not earned in writing.
If you have funded with Swyft Advance, we would like to hear how it went, good or bad. Critical feedback reaches the owners directly.
Share your experience
A few sentences is enough. Tell us whether we may publish it.
- Your business name and roughly when you funded
- Which product you used
- What went well, and what did not
- Whether we may publish it with your first name, business type and state
About these examples
Are these real businesses?
The examples describe funded deals with the business name, location and exact figures generalized to protect the customer. They are not customer reviews or testimonials, and no business has endorsed Swyft Advance by appearing here.
Will my results be the same?
No two files are alike. Amount, cost, timing and terms are set by the funding partner based on your deposits, time in business, bank activity and existing obligations. The examples show how each product is used, not what you will be offered. Approval is never guaranteed.
Why is there no star rating on this page?
Star ratings and review markup belong on real reviews from identifiable customers. Swyft Advance publishes customer reviews only when a funded customer has given them and agreed to have them shown, so this page carries funded-deal examples instead.
How do I share my experience with Swyft Advance?
Email [email protected] with your business name and a few sentences about how the funding went. Tell us whether we may publish it with your first name, business type and state. Critical feedback is welcome and reaches the owners directly.
See which of the four fits your business.
Ten-minute application, no hard credit pull to check, a real advisor on every file.