We Don't Shop Loans. We Structure Transactions.
Swift Capital Options advises business buyers, owners and real estate investors on complex commercial financing — from underwriting and capital structure through lender selection, negotiation and closing. $500K to $10M+, nationwide.
Four Practices. One Discipline.
Swift advises on the full capital structure of a transaction — not a menu of loan products.
Business Acquisition Finance
Financing for acquisitions, partner buyouts and ownership transitions — including the seller notes, equity and working capital that make the structure work.
Commercial Real Estate Finance
Owner-occupied and investment property: acquisition, construction, bridge, permanent and cash-out refinance.
SBA Advisory
7(a) and 504 transactions structured and positioned properly — eligibility, debt service, equity and lender fit resolved before submission.
Growth & Structured Capital
Expansion, equipment, recapitalization, conventional bank debt and private credit for transactions that don’t fit a standard box.
Our Advantage
We think like the lender before the lender sees your transaction.
Most financing fails on presentation, not fundamentals. A sound business reaches the wrong institution. Debt service is calculated optimistically. The equity injection doesn't hold up. The credit memo answers the wrong questions. By the time a lender declines, the file is already stale — and the next lender will ask why.
Swift was built by people who spent their careers inside commercial lending, underwriting and credit. We run your transaction through the same analysis a credit committee will apply, before it goes to market. Where it won't hold, we restructure it. Where it will, we document why — and take it to the two or three desks whose appetite genuinely fits.
By the time your file reaches a lender, the hard questions have already been answered.
Discuss a transactionEvery transaction is assessed on
- Debt service coverage
- Global cash flow
- Borrower liquidity
- Equity injection
- Collateral position
- Management experience
- Industry risk
- Transaction structure
- Lender fit
Only then do we decide how the transaction should enter the market.
The Swift Process
Four of the six steps happen before a lender sees your file.
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01
Analyze
Cash flow, debt capacity and the real constraints on the transaction.
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02
Structure
Debt, equity, seller financing and working capital built to hold.
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03
Underwrite
The same analysis a credit committee will apply, run in advance.
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04
Position
A credit presentation that answers the questions before they're asked.
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05
Place
Two or three lenders whose appetite fits your size and structure.
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06
Close
Every condition worked through, with weekly updates either way.
We're compensated by the lender, at no cost to you.
Years of Experience
Built From the Lender's
Side of the Table.
Most transactions don’t fail because the business is weak. They fail because a sound deal reached the wrong institution, structured the wrong way, presented without the answers a credit committee needs. Swift Capital Options was built by professionals who spent their careers inside commercial lending, underwriting and credit — so your transaction is analyzed, structured and positioned before a lender ever sees it.
- Transaction Analysis
- Capital Structuring
- Underwriting Review
- Lender Selection
- Credit Presentation
- Closing Management
Depth where it decides the deal.
Four things that shorten a timeline and get a file to the closing table.
We've underwritten from the other side
Our team has sat inside credit departments and read the SOP as a working document, not a reference. We know which conditions stall a file and which are negotiable — before your transaction is submitted.
The structure is built before the search
Debt capacity, equity injection, seller financing and working capital are resolved first. A transaction that arrives at a lender already structured gets a different reception than one that arrives as a request.
Two or three lenders, not thirty
We place transactions with institutions whose credit appetite genuinely fits your size, industry and structure. Shopping a file to every desk in the market signals weakness and it shows up in your terms.
30 to 45 days on commercial real estate
Purchase, refinance and cash-out transactions closed inside a window most borrowers are told is impossible — because the file is complete the day it goes in.
We also work the other side of the table.
Swift provides CDFIs, banks and private lenders with underwriting, loan processing, closing coordination, servicing and special-asset support — capacity that scales with your pipeline instead of your headcount. It’s also why our clients’ transactions arrive structured the way a credit committee expects.
Loan Processing Support
Application intake, document collection and file preparation handled end to end, so your pipeline keeps moving while your team stays on the work only they can do.
Credit Analysis
Experienced analysts and underwriters supporting accurate risk assessment and compliant credit decisions — additional capacity without additional permanent hires.
Closing & Documentation
Coordinated closings backed by accurate documentation, reducing the errors and last-minute delays that push settlement dates.
Loan Servicing
Payment administration, escrow and covenant tracking, and clean records through the life of the loan.
Borrower Management
Direct borrower communication, document follow-up and post-close support, so relationships stay intact.
Special Assets & Liquidation
Support for distressed credits, workouts and resolutions, with hands-on help through recovery and liquidation.
Success Rate
What They Say About Us
At Swift Capital Options, we’re your trusted financial partner. Our tailored solutions, experienced team, and commitment to integrity set us apart.
"Swift Capital Options made the SBA financing process seamless and stress-free. Their expertise and personalized approach helped us secure the funding we needed to expand our business. Highly recommend!"
"Thank you! Couldn't have done it without you. You stuck with us until we found the bank that was willing to finance the loan! 20 months of this process until we found you. We were about to crack..(we did but we came back together) you helped us get o the closing and through that momentous hurdle! Difficult process but you helped interpret the jargon that was ever constant. Thank you, thank you!"
"Working with Swift Capital Options was a game-changer for our startup. They understood our unique needs and guided us through the SBA lending process with professionalism and care. Thanks to them, we're now thriving!"
"It was a great pleasure working with Akem! I was not sure what to expect with the entire loan process but I knew I was in great hands! I recommend Swift Capital Options to everyone I know looking to start a business! I pray for continued success in your work in helping small businesses like mine to not only start, but also succeed! God willing, more locations to come! Thank you so much! "
"Swift Capital Options exceeded our expectations with their exceptional service and tailored financing solutions. They took the time to understand our goals and provided the perfect SBA loan package for our business. Truly grateful for their expertise!"