We exist to make borrowing simple, fair, and accessible for everyone.

At SwiftFund, we started with one straightforward observation: too many people who need financial support are let down by complicated processes, unpredictable interest rates, and lenders who seem more interested in fine print than in people.

Our Story

SwiftsFund was founded by a small group of finance professionals who had spent years working inside traditional banking institutions and had grown frustrated with how those institutions treated ordinary borrowers. They watched talented entrepreneurs get turned down because of rigid criteria. They saw families fall into debt traps because loan terms were confusing or dishonestly presented. They witnessed hardworking people pay far more than they should have because interest rates were designed to be opaque.
What We Believe

We believe borrowing should be empowering, not stressful.

Taking out a loan is a significant financial decision. It should feel like a step forward, a confident, informed move toward a goal, not an anxious leap into the unknown. We work hard to make sure every person who borrows from us fully understands what they are agreeing to before they agree to it.

Our Offices

Amsterdam — Global Headquarters Eerste van der Helststraat 32, 1076 AC Amsterdam, Netherlands

The Amsterdam office is home to our executive leadership, our technology and product teams, our global credit policy team, our legal and compliance function, and our international partnerships division. Everything that governs how SwiftsFund operates at a global level is directed from here.

Jakarta — Southeast Asia Branch MH. Thamrin 3, Jakarta 10550, Indonesia

The Jakarta office handles loan applications and disbursements across the Southeast Asian region, provides local language customer support, manages regional banking and mobile wallet partnerships, and builds the community relationships that make genuine financial inclusion possible at the local level.

We believe transparency is non-negotiable

Hidden fees, variable rates that spike unexpectedly, and confusing contract language have no place in ethical lending. At LendWise, our interest rate is fixed at 15% per annum. It does not change. The number you see on our calculator is the number you will pay. There are no surprises buried in the small print.

Our Team

SwiftsFund is built and run by a diverse, multinational team of finance professionals, technology specialists, customer experience experts, and community advocates who share a common commitment to ethical lending.

Our teams across Amsterdam and Jakarta bring together professionals with backgrounds spanning European and Asian banking, financial technology, credit risk management, regulatory compliance, community development finance, and customer relationship management. The diversity of our team  in background, language, culture, and expertise  is one of our greatest strengths. It means we understand the people we serve, because in many cases, we are those people.

What Makes Us Different

There are many lenders in the market. Here is what sets SwiftFund apart:

One fixed rate for everyone.

We charge 15% per annum on all loans, for all borrowers, on all loan types. We do not adjust your rate based on a credit scoring algorithm that penalises people for circumstances outside their control. Our rate is the same on day one as it is on the last day of your repayment, fixed, fair, and fully transparent.

Every application is reviewed by a real person on our credit team. We do not rely solely on automated systems to make decisions about your financial life. We read your application, we consider your circumstances, and we make a thoughtful assessment. If something is unclear, we reach out to you directly, not with a rejection letter, but with a conversation.

We know that when you need money, time matters. Most applicants receive a decision within 24 hours. Once approved and accepted, funds are in your account or mobile wallet within 24 to 72 hours depending on the loan type. We do not make you wait weeks for a decision that should take a day.

Repayment periods range from 3 months to 60 months. You choose the timeline that fits your budget and your circumstances. If you want to repay early, you are welcome to do so with absolutely no prepayment penalties. Your loan, your timeline.

We do not charge application fees, processing fees, early repayment fees, or administrative fees. The total repayment amount shown when you apply is the total amount you will pay, not a penny more.


Our customer support team is available seven days a week. Whether you have a question about your application, need help understanding your repayment schedule, or are experiencing difficulty making a payment, we respond promptly and we respond helpfully. We do not hide behind automated responses when you need a real answer.

Loan Application

Complete this form in 4 simple steps. It takes less than 5 minutes. A decision is made within 24 hours of submission.

15% Fixed Annual Rate 100% Secure Decision in 24 hrs No Hidden Fees
1
Personal
Info
2
Loan
Details
3
Financial
Info
4
Review &
Submit
Personal Information

Tell us a little about yourself. All information is kept strictly confidential.

Please enter your first name
Please enter your last name
Please enter a valid email address
Please enter a valid phone number
You must be at least 18 years old
Please enter your residential address
Please select your ID type
Please enter your ID number
Loan Details

Tell us what you need the loan for and how much you would like to borrow.

Please select a loan type

Min: $500 — Max: $1,000,000

Please enter an amount between $500 and $1,000,000
Please select a repayment period
Please describe the purpose of your loan
Financial Information

This helps us assess your ability to comfortably repay the loan. All information is treated with strict confidentiality.

Please select your employment status

Your take-home income after tax per month

Please enter your monthly net income

Rent, bills, food, existing loan payments, etc.

Please select how you heard about us
Review & Submit

Please review your application details carefully before submitting. You can go back to make changes at any time.

Personal Details
Loan Details
Financial Details
Please accept the terms before submitting.

Application Submitted!

Thank you for applying with LendWise. Your application has been received and our team will review it within 24 hours.

REF: LW-000000

A confirmation has been sent to your email address. Please check your inbox — and your spam folder just in case.

1
Application received & under review
2
Decision sent to your email within 24 hours
3
Funds disbursed within 48 hours of approval
256-bit SSL Encrypted No Application Fee 15% Fixed Rate Decision in 24 Hours Funds in 48 Hours

Visit Us

Global Headquarters Eerste van der Helststraat 32 1076 AC Amsterdam The Netherlands

Southeast Asia Branch MH. Thamrin 3 Jakarta 10550 Indonesia

Customer Support: Available seven days a week from both offices Application decisions: Within 24 hours of a complete submission Fund disbursement: Within 24 to 72 hours of approval

Visit our Contact page to reach the right team for your region, or head to our Loan Calculator to start exploring your options today.