Last updated: August 18, 2025

Agreement to Terms

By accessing or using the Swiftbay International website, submitting an inquiry or application, or using any of our services, you agree to be bound by these Terms & Conditions. If you do not agree to these terms, please do not use our website or services.

Services Description

Swiftbay International provides business funding solutions and related support designed to help small and medium-sized businesses access financing for working capital, cash flow needs, expansion, equipment, investments, and other business purposes.

Our services may include assistance with evaluating eligibility and accessing financing options such as business lines of credit, term loans, and other business funding products.

Financing availability, approval amounts, rates, fees, repayment terms, and other conditions depend on factors including your business's financial profile, revenue, creditworthiness, and underwriting criteria. Certain financing products or services may be provided, funded, or administered by third-party lenders, financial institutions, or funding partners.

Submitting an inquiry or application does not guarantee approval or funding.

User Responsibilities

When using our website or services, you agree to:

• Provide accurate, current, and complete information
• Use our services only for lawful business purposes
• Not provide false or misleading business, personal, financial, or credit information
• Provide any documentation reasonably required to evaluate your eligibility or process a funding request
• Cooperate in good faith throughout the application and funding process
• Comply with all applicable laws and regulations

You are responsible for reviewing all financing terms and agreements before accepting any funding offer.

Eligibility and Funding Decisions

Eligibility requirements and funding criteria may vary depending on the financing product and funding provider.

Swiftbay International does not guarantee that any applicant will qualify for financing or receive a particular funding amount, interest rate, repayment term, or other financing condition.

Any preliminary qualification, estimate, or eligibility indication is not a binding commitment to provide financing.

Final approval may be subject to underwriting, verification of information, documentation requirements, and additional conditions established by Swiftbay International and/or the applicable funding provider.

Credit Authorization

Depending on the financing product or stage of the application process, information regarding your personal or business credit may be reviewed to determine eligibility.

Where applicable, any authorization required to obtain or review credit information will be provided separately during the application process.

Checking initial eligibility may not require a hard credit inquiry. However, additional credit review may be required by a funding provider before final approval or funding.

Text Messaging Terms

Program Description

Swiftbay International SMS communications may include messages related to:

• Funding inquiries and applications
• Eligibility or application updates
• Requests for additional information or documentation
• Appointment scheduling and reminders
• Funding options and application follow-up
• Account or service-related updates
• Customer support
• Other administrative communications related to your relationship with Swiftbay International

Message Frequency

Message frequency may vary depending on your inquiry, application status, and ongoing communication with Swiftbay International.

Message & Data Rates

Standard message and data rates may apply based on your wireless carrier and mobile plan.

Opt-Out Instructions

Reply STOP to any text message to unsubscribe from SMS communications at any time.

After opting out, you may receive a confirmation message. You will not receive additional SMS messages unless you subsequently opt in again.

Help Instructions

Reply HELP to any text message for assistance or contact Swiftbay International directly.

Carrier Liability

Wireless carriers are not liable for delayed or undelivered messages.

SMS Consent

Consent to receive text messages is not a condition of obtaining business financing or purchasing any service.

By providing your mobile number and expressly opting in to receive SMS communications, you authorize Swiftbay International to contact you at the number provided regarding your inquiry, application, or services.

Privacy

Your information is handled in accordance with our Privacy Policy.

SMS opt-in information and consent will not be sold or shared with third parties or affiliates for their own marketing or promotional purposes. Information may be shared with service providers as necessary to facilitate communications and provide requested services, subject to applicable law.

No Guarantee of Funding or Results

Swiftbay International does not guarantee:

• Approval for financing
• A specific funding amount
• A particular interest rate or financing cost
• Specific repayment terms
• The availability of any particular funding product
• A particular business or financial outcome resulting from financing

Funding decisions and terms depend on each applicant's circumstances, underwriting criteria, market conditions, and, where applicable, the requirements of third-party lenders or funding partners.

Any examples, estimates, or descriptions provided on our website are for informational purposes and should not be interpreted as guaranteed financing terms.

Rates, Fees, and Repayment Terms

Any applicable rates, fees, financing costs, repayment obligations, or other material terms will be disclosed before you enter into a financing agreement.

You are responsible for carefully reviewing all financing documents before accepting an offer.

The specific terms of any financing arrangement will be governed by the applicable financing or funding agreement.

Third-Party Funding Providers

Swiftbay International may work with third-party lenders, financial institutions, funding companies, service providers, or other financial partners in connection with certain financing products.

Where financing is provided by a third party, that provider may have its own eligibility requirements, underwriting standards, terms, conditions, privacy practices, and agreements.

Swiftbay International is not responsible for the independent actions, decisions, policies, or services of third-party providers except as required by applicable law.

Business Use

Financing products offered or facilitated through Swiftbay International are intended for legitimate business and commercial purposes unless expressly stated otherwise.

You agree not to use business funding obtained through our services for unlawful purposes.

Website Information

We make reasonable efforts to provide accurate and current information on our website. However, financing products, eligibility requirements, funding amounts, rates, repayment terms, and availability may change without notice.

Information appearing on the website should not be considered a binding offer, financial advice, legal advice, tax advice, or a guarantee of financing.

Limitation of Liability

To the fullest extent permitted by applicable law, Swiftbay International and its officers, employees, representatives, affiliates, and service providers shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages arising from or related to your use of the website or services.

This includes, without limitation, losses arising from funding decisions, delays, inability to obtain financing, reliance on website information, or actions taken by third-party funding providers.

Nothing in these Terms & Conditions excludes or limits liability that cannot legally be excluded or limited.

Intellectual Property

All website content, including text, graphics, logos, branding, designs, and other materials, is owned by or licensed to Swiftbay International unless otherwise stated.

You may not copy, reproduce, distribute, modify, or use our website content for commercial purposes without prior written permission.

Prohibited Use

You may not use the Swiftbay International website or services to:

• Engage in fraudulent or unlawful activity
• Submit false, misleading, or unauthorized information
• Attempt to interfere with the operation or security of the website
• Access systems or information without authorization
• Impersonate another person or business
• Violate any applicable law or regulation

Changes to These Terms

Swiftbay International may update these Terms & Conditions from time to time.

Any changes will become effective when the revised Terms & Conditions are posted on our website. The "Last updated" date at the top of this page will indicate the most recent revision.

Your continued use of the website or services after changes are posted constitutes acceptance of the revised Terms & Conditions.

Governing Law and Dispute Resolution

These Terms & Conditions shall be governed by and construed in accordance with applicable laws.

Any dispute arising out of or relating to these Terms & Conditions, the website, or Swiftbay International's services shall be handled in accordance with applicable law and any dispute-resolution provisions contained in a separate financing or service agreement.

Contact Information

Swiftbay International

3901 S Ocean Dr

Hollywood, FL 33019

Email: info@swiftbayinternational.com 

Website: https://swiftbayinternational.com/