Backing small businesses with more than just finance
Because we take a people-first approach, we lend based on potential, not just balance sheets.
Could funding help you unlock your next stage of growth?
Here are some common reasons why we lend to Food and Drink businesses:
Growth & Expansion
☑️ Moving into larger premises to meet rising demand.
☑️ Opening a new production facility or distribution hub.
☑️ Expanding into new markets (regional, national, or export).
Product Development
☑️ Funding R&D for new product lines (e.g. vegan, low-sugar options).
☑️ Testing and certifications for new recipes/products.
☑️ Improving packaging design to meet retailer standards.
Compliance & Standards
☑️ Meeting health & safety or food hygiene requirements.
☑️ Adapting to new sustainability or packaging regulations.
☑️ Achieving industry accreditations.
Equipment & Technology
☑️ Purchasing / upgrading machinery (bottling lines, refrigeration, ovens).
☑️ Investing in automation to increase efficiency.
☑️ Upgrading packaging technology for compliance or sustainability.
Working Capital & Operations
☑️ Covering cashflow gaps when supplying large retailers.
☑️ Hiring additional staff for production or distribution.
☑️ Bulk-buying raw ingredients to secure better margins.
Marketing & Sales Growth
☑️ Brand refresh, new website, or marketing campaigns.
☑️ Trade show participation (costly but important for food & drink).
☑️ Expanding distribution networks (logistics, vehicles, partnerships).
What our customers say…
“There have been many achievements over the years, but entering the grocery market has been a real turning point. Fundamentally, SWIG provided us with the funds we needed at a key inflection point for the business. It enabled us to invest in the stock and the people to meet rapidly increasing demand for our brand and products.
Since then, the business has grown by at least 6x, profitably. We are super grateful for their support and understanding of our business growth plans and vision.”
Simon Hills
Managing Director, TrueStart Coffee
Am I Eligible?
Visit our Business Loans page for more information on eligibility and rates.
Tips & How-To Guides
Here you will find practical tips and how-to guides.
Got a question?
Give us a call today and we will answer any question you may have.
How our application process works
1. Apply
2. Review with a Business Manager
3. Credit decision
Apply now to take the next step in securing the funding your business needs.
What you can expect from us
✓ A genuine interest in your business and a desire to see it succeed.
✓ Relationship-based contact and a personal 1-2-1 service from your dedicated business manager – you will always speak to a human.
✓ Our business managers work with you throughout the application process to help give your business the best chance for success.
✓ We base our lending decisions on potential, not collateral, which means that we can lend to projection-led businesses.
✓ Because we base our lending decisions on the bigger picture, we can lend when algorithm-driven lenders can’t.
