“Can a multi-country funding-and-savings marketplace become the default broker layer between SMEs and the embedded-finance providers behind them?”
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.
Swoop integrates with Xero, Sage and QuickBooks.
The Embedded Finance Index 2026 maps 3 layers in Swoop's stack: Lending (Working capital loans, Equipment financing, Revenue-based loans, SBA loans and 6 others); Unified APIs (Apideck); Accounting (Xero, Sage and QuickBooks).
Swoop was founded by Andrea Reynolds and Ciaran Burke and is founded in 2018, headquartered in London, United Kingdom.
Get a read on where your own stack stands against Swoop and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.