SWIG Finance is a social enterprise which supports SMEs, start ups and early stage businesses that have the potential to grow and benefit their local communities, but which have been unable to secure all the funding required from traditional sources such as high street banks.

All of our applicants are assigned a dedicated, local Business Manager who will work alongside them and provide ongoing support.  

Personal loans for business use

Applicants must be aged 18 or over

For start ups and businesses trading up to 3 years

Can be used to buy an existing business

Free application and post-loan mentoring support

£500 – £25,000 per applicant

Term of 1 – 5 years

Fixed interest rate of 6% per annum

Average loan size £11,600

A credit check will be completed

Refill Shop

Limited companies only can apply

Finance for any legitimate and legal purpose

Business assets considered as security if available

Loan value from £25,001 – £250,000

We are an accredited Recovery Loan Scheme lender

We manage SWIF – Smaller Loans

Terms and conditions apply

Out of Wood

Not sure what's right for you?

Click the button to contact us and we’ll be happy to help.

Application Process

  • Complete an online enquiry and application via the above buttons
  • Business plans must be supplied (an extended Executive Summary may be considered for established businesses) and financial forecasts
  • Annual accounts and most recent management accounts required for established businesses
  • Initial enquiries welcomed to establish suitability

Once we have received all the information we need to consider your application, the decision will be made as soon as possible.