UK business funding, compared

A Swoop alternative focused on competing funding offers

Swoop spans loans, equity, grants and cost savings; Capvant focuses on business funding and returns competing offers from one short request. The first step is a soft search, so comparing never touches your credit score.

Soft check · no impact on your credit score.²

1 requesta whole network of funders
Soft check²no credit-score impact
Competing offerscompared side by side
You chooseno obligation at any point

Capvant vs Swoop at a glance

	Capvant	Swoop
Model	A funding marketplace, not a lender; vetted partners compete for your request	A funding platform with a broad remit, working with a panel of lenders and providers
Scope	Focused on business debt and working capital	Broader: loans, equity, grants and cost-saving reviews
Who makes the credit decision	The funding partner you choose, never Capvant	The lender or provider, not Swoop
Credit impact of the first step	Soft search only, no impact on your credit score	Set by its own process; a full application with a lender can involve a hard search
What one request gets you	Several competing offers to compare side by side	A wide view of funding routes in one place
Market coverage	UK and US	UK and several other markets
Who it's built for	UK limited companies, LLPs and plcs	UK businesses, including those exploring equity or grants

Based on publicly stated models at the time of writing, always confirm details with any provider before proceeding.

How it works

Tell us what you need

Answer a few questions about your business and how much funding you’re after. It takes about 60 seconds.

Compare your matched offers

We match you with funding partners and bring back competing offers, a soft search with no impact on your credit score.

Get funded

Pick the offer that fits and get the funds in your account, often within a few working days.

Products you can compare with one request

Working capital

Cover payroll, stock and day-to-day running costs with flexible working capital.

Business line of credit

A revolving credit facility you draw on as you need it, paying only for what you use.

Invoice finance

Unlock cash tied up in unpaid invoices instead of waiting 30-90 days to get paid.

Revenue advance

Take a lump sum today and repay as a small share of your daily card and bank takings.

Written by Sarah Eltaweel, Head of MarketplaceCapvant funding marketplace · Reviewed July 2026

Looking at Swoop? Start here

If you have found this page, you are probably comparing Swoop with other ways to fund a UK business and wondering what your options really are. That is a sensible thing to do. The funding market is broad, and the right route depends on your company, your numbers and what you need the money for.

This page is not here to talk you out of Swoop. Swoop is a real and well-established option. The aim is to help you compare platforms fairly, including Capvant and others, so you can choose with your eyes open. Treat everything you read here as a starting point for your own checks, and confirm the current picture on each provider's own website.

What Swoop does

Swoop is a well-known UK funding platform. In general terms, it helps businesses look across different forms of finance, and it works with a range of lenders and partners rather than lending its own money in the way a single bank would. Many owners like having debt, equity and grant options brought together in one place.

We are not going to put words in Swoop's mouth on rates, fees or which funders sit on its panel, because those things move and we want you to rely on accurate information. For the current picture, read Swoop's own website and speak to their team directly.

What to look for in a UK funding platform

Whichever platform you use, the questions worth asking are broadly the same. A good comparison is less about the brand and more about how a platform treats your application, your data and your time.

Run any option, Swoop and Capvant included, through the same checklist before you share detailed financials or sign anything.

Does an initial search use a soft credit check that leaves no mark on your file, or a hard one?
Are you shown real, competing offers, or pointed towards a single product?
Is the platform a lender making the credit decision, or a marketplace that introduces you to funders?
Which products are covered, for example working capital, a business line of credit, equipment finance, invoice finance, Revenue Advance or a term loan?
How is your data handled, and who is it shared with before you opt in?
Are fees, commissions and the platform's role explained clearly and up front?

How Capvant's marketplace model works

Capvant is a borrower-first funding marketplace, not a lender. You make one short request about your business and what you are looking for. We run a soft search, which does not affect your credit score, and use it to match you against our network of vetted funding partners.

From there you can see real competing offers and compare them side by side. Capvant does not make the credit decision and does not lend its own money. The funding partner you choose underwrites and approves the facility, so approval is never guaranteed and the usual checks still apply. There is no such thing as no credit check business funding from a responsible provider.

The products you can explore include working capital, a business line of credit, equipment finance, invoice finance, Revenue Advance and term loans. Capvant works with UK limited companies, LLPs and plcs, and serves businesses in the US as well, though this page is written with UK companies in mind.

Comparing Capvant, Swoop and other options

The honest way to frame this is that Capvant and Swoop are both platforms, so the useful question is how their models suit you, not which is better in the abstract. Some owners want the broadest possible net across debt, equity and grants. Others want to focus on debt facilities and see competing offers quickly from a vetted panel. Your priorities should drive the choice.

It is also fine, and often wise, to look at more than one route. You might compare a marketplace like Capvant, a platform like Swoop, your existing bank and a broker you trust. Getting more than one view helps you sense-check pricing and structure before you commit.

Whatever you do, avoid sharing full financials with several providers on the same day without understanding who searches your credit file and when. The checklist above is there to help you keep control of that.

Deciding for yourself

A simple way to decide is to write down what you actually need before you talk to anyone. The amount, the purpose, how quickly you need it and how predictable your revenue is will narrow the field faster than any review score.

Then match that to the model. If you want one short request, a soft search with no impact on your credit score and real competing offers from a network of funding partners, Capvant is one option worth putting on your shortlist alongside Swoop and others. If your priority is something like grant discovery or raising equity, weigh that into where you start. Either way, read each provider's current terms and decide on the facts in front of you.

Which should you choose?

This one genuinely comes down to scope. Swoop casts the widest net, debt, equity, grants and cost savings, while Capvant concentrates on business funding and getting competing offers back from one soft-search request. Decide what you actually need first, then pick the platform shaped for it.

Choose Capvant if…

You mainly want debt or working-capital funding, not equity or grants
You want vetted funding partners competing on a single request
You want a soft search first, so looking never marks your credit file

Choose them if…

You want to explore equity or grant funding alongside debt
A cost-saving review matters as much as new finance to you
You operate in markets beyond the UK and US

Swoop, common questions

Is Capvant a lender?

No. Capvant is a funding marketplace. We match your request to a network of vetted funding partners and show you competing offers. The funding partner makes the credit decision and provides the facility, so we never guarantee approval.

Will comparing offers through Capvant affect my credit score?

Our initial search is a soft search, which does not affect your credit score. If you decide to proceed with a particular offer, the funding partner may carry out its own checks, which can include a hard search. You stay in control of when that happens.

What types of funding can I compare?

You can explore working capital, a business line of credit, equipment finance, invoice finance, Revenue Advance and term loans. The right fit depends on your business, so it helps to be clear on the amount and purpose before you start.

How is Capvant different from Swoop?

Both are funding platforms, so the better question is how the models suit you. Swoop is a well-known platform that brings together a range of finance options. Capvant is a borrower-first marketplace focused on matching your request to vetted funding partners and showing competing offers. Check each provider's own site for current details and decide on the facts.

Who can apply through Capvant?

Capvant works with UK limited companies, LLPs and plcs. It is built for businesses rather than sole traders or consumers. We also serve companies in the US, though this page is written with UK businesses in mind.

Is approval guaranteed?

No. Approval is never guaranteed. The funding partner underwrites each application and the usual checks apply. Be cautious of anyone promising guaranteed approval or no credit check business funding.

Compare real offers in minutes

Make one request and compare competing offers from a network of vetted funding partners. Soft check, no impact on your credit score.

Soft check · no impact on your credit score.²

Disclaimers & footnotes

1Capvant is a funding marketplace, not a lender. We match business owners with third-party funding partners; we do not make credit decisions, lend money, or set rates or terms. All funding decisions, rates, terms and approvals are made solely by the lenders in our network, subject to their criteria.
2Checking your options through Capvant does not affect your credit score. A lender may carry out a soft or hard credit search depending on the product, stage and your consent. A full hard credit check is only carried out where required by a lender before you proceed.
3Funding speed, including any reference to funding in as little as 24 hours, is typical for some products and lenders and is not guaranteed. Actual timescales depend on the lender, the product, and how quickly requested information and documents are provided.
4Funding amounts and ranges are indicative only and vary with your business profile, trading history, the lender and the market. Figures shown are not an offer of finance and do not guarantee any particular amount, rate or approval.
5Any offers, rates or repayment figures shown in illustrations or examples are for demonstration only and are not real quotes. Your actual offers, if any, are provided by lenders and are subject to approval.
6Product availability varies by market. Some products are only available in certain countries. Capvant currently serves businesses in the United States and the United Kingdom.

Capvant is a trading name of Granton Hale Capital LLC. Capvant is not a lender and does not make credit decisions, we introduce businesses to third-party funding providers. Capvant is not authorised or regulated by the Financial Conduct Authority (FCA).

Capvant does not compare every lender, broker, funding product or offer available in the market. We only show options from funding partners in our network that may be relevant based on the information you provide.

Capvant may receive compensation from lenders, brokers, funding partners or referral partners when a customer is introduced, approved, funded or takes another qualifying action. This compensation does not guarantee that any lender will approve an application or offer specific terms. Capvant does not charge business owners a fee to compare funding options unless clearly stated otherwise.

If you access Capvant through a partner, introducer or embedded funding page, that partner may receive a referral fee or commission if your application results in funding. This does not increase your cost unless expressly disclosed.

Capvant is intended for business-purpose funding only. Eligibility may depend on entity type, location, trading history, revenue, industry and lender criteria. In the UK, Capvant currently focuses on limited companies, LLPs and plcs, and does not currently support sole traders or ordinary partnerships.

Information on Capvant is general information only and is not financial, legal, tax or accounting advice. You should consider whether funding is suitable for your business and seek professional advice where appropriate.

Calculators, eligibility checkers and funding-readiness tools are estimates only. They are based on limited information and assumptions, and do not represent a credit decision, quote, approval or recommendation.

Company information may be sourced from public registers such as Companies House, or from information you provide. Public register data may be incomplete, delayed or inaccurate and should not be treated as a full credit assessment.

By submitting an application or funding request, you authorise Capvant to share relevant business, owner, application and document information with funding partners, service providers and introducers where necessary to process your request, subject to our Privacy Policy.

Some US commercial financing offers may be subject to state-specific disclosure requirements. Where required, additional disclosures will be provided and must be accepted before a transaction is finalised.