Swiftstead Commercial Capital, a small-business funding broker in St. Cloud, Minnesota, is a broker, not a lender. From 515.5 W St Germain St it helps owners compare six funding structures and introduces their requests to lending partners. Partners make the credit decisions and set rates and terms; Swiftstead explains the options and the paperwork.
A broker, whatever the name suggests
Swiftstead Commercial Capital is a broker, not a lender. We do not fund requests from our own balance sheet, approve them or price them. Swiftstead Commercial Capital connects you with lending partners; partners make credit decisions and set rates and terms.
What does a loan broker do, then? The hard part for most owners is not finding a funder; it is knowing which structure suits the cost, what a partner will want to see, and how to compare offers priced in different ways. Those three questions are the whole job.
How we work
- We start by phone with what the money is for.
- We explain which structures fit and which do not.
- We send the request only to partners that write that structure.
- We help you read any offer before you sign.
Each step is set out in how Swiftstead works.
What we will not do
- Promise approval, an amount, a rate or a date.
- Set up personal, payday, car title, mortgage or SBA loans.
- Push a merchant cash advance without its full cost on the table.
- Encourage stacking one advance on another.
Where we are
Our address is 515.5 W St Germain St, St. Cloud, MN 56301, and most conversations happen by phone at (320) 208-9595. For the local business picture, see our St. Cloud, MN page; to reach us, the contact page.
The formal version
Our role and its limits are written out in the broker disclosures.
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