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Swoop

“Can a multi-country funding-and-savings marketplace become the default broker layer between SMEs and the embedded-finance providers behind them?”

Founded2018
HQLondon, United Kingdom
FoundersAndrea Reynolds, Ciaran Burke
Latest roundSecondary - Private
IndustryFintech / Lending
The story

Swoop was founded in 2018 by Andrea Reynolds (ex-KPMG) as a UK SME funding marketplace — a 'virtual CFO' that matches small businesses to loans, grants and equity. It has since extended into a multi-country broker (UK, US, Canada, AU, IE, NA) covering both funding origination and cost-savings comparison (banking, FX, utilities). Swoop is explicitly a broker / matching platform — not a lender or licensed deposit-taker — and monetises via commission from partner lenders, investors and service providers. The strategic question is whether a regulated funding marketplace can become the default front-end for SME finance globally.

Last 12 months
—
Product timeline
0
Expanded into the US, Canada, Australia, Ireland and Namibia/South Africa as a multi-jurisdiction funding and savings marketplace.· expansion
0
Launched advisor / partner platform enabling accountants and brokers to source funding for clients.· platform
2018
Andrea Reynolds founds Swoop in the UK as a business funding marketplace for SMEs.· founding
Regulated entities
2
regulatory licences held by Swoop
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
3 layers disclosed in Swoop’s embedded-finance stack
Lending
Working capital loansEquipment financingRevenue-based loansSBA loansEquipment leasingMerchant cash advanceInventory financingLine of creditGrants matchingEquity / investor matching
Unified APIs
in the full report
Accounting
in the full report
Accounting gap: minor
4 more providers across 2 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.