Hydr vs Swoop Funding: UK Invoice Finance Comparison 2026
See how Hydr compares to Swoop Funding side by side, then get three tailored quotes to weigh alongside them. Free, no obligation, and nothing to pay if you decide not to proceed.
Start here: what fits your business?
These are different products rather than like-for-like invoice finance rivals (Hydr: invoice finance; Swoop Funding: funding marketplace (loans, grants, invoice finance)). UK businesses still weigh them side by side, so the real question is which job you need doing, not which is the better invoice finance line. Hydr advances up to 100% per invoice, setup typically in same day to 1 working day; Swoop Funding matches you to a panel funder, typically within 48 hours (payment after invoice submitted). Hydr has no minimum turnover, Swoop Funding needs £30k minimum turnover. Read the side-by-side below, then jump to the "when X wins" sections.
Side-by-side
Full reviews: Hydr · Swoop Funding
| Compared on | Hydr | Swoop Funding |
|---|---|---|
| Product type | Single-invoice finance (digital, selective) | Funding marketplace (loans, grants, invoice finance) |
| Min turnover | No minimum | £30k |
| Advance rate | Up to 100% per invoice | Up to 95% (funder dependent) |
| Typical fee | Flat fee per invoice financed | Funder rates via marketplace matching |
| Confidential available? | Yes | Yes, via panel funders |
| Factoring available? | No | Yes, via panel funders |
| Setup speed | Same day to 1 working day | 48 hours (payment after invoice submitted) |
Sources for these figures: Hydr: 100% advance, fixed fee per invoice, onboarding under 10 minutes · Hydr: setup time · Swoop Funding: advance up to 95%, £30k minimum turnover, payment usually within 48 hours, "a credit broker, not a lender"
When Hydr wins
- Transparent flat fee per invoice, no whole-book contract.
- Same-day digital onboarding.
- Integrates with Xero and other accounting platforms.
- No minimum turnover; finance invoices selectively.
Best for
Selective single-invoice finance, Smaller and early-stage businesses, Xero-driven workflows.
Watch outs
- Selective single-invoice model, not whole-ledger factoring.
- Per-invoice fees can add up for high-volume users.
- Newer, smaller funder than incumbents.
When Swoop Funding wins
- Marketplace comparing invoice finance against loans, grants and equity.
- Wide funder panel and digital onboarding.
- Single profile reused across multiple funding types.
- Good for owners weighing several funding options.
Best for
Owners comparing funding types, Businesses also exploring grants or equity, Digital-first applicants.
Watch outs
- A marketplace and broker, not a direct lender.
- Final terms and speed depend on the matched funder.
- Breadth means less invoice-finance depth than a specialist.
FAQ
Hydr or Swoop Funding: which fits your business in 2026?
They do different jobs (see the product types above), so pick by the job you need doing. Hydr is the stronger fit for selective single-invoice finance; Swoop Funding fits owners comparing funding types better. The "when X wins" sections above break this down by profile, and the commercials are covered in the next question.
How do Hydr and Swoop Funding price their facilities?
Pricing: Hydr, flat fee per invoice financed; Swoop Funding, funder rates via marketplace matching. The table above sets advance rate, setup speed and minimum turnover side by side.
Can I get a confidential facility with either Hydr or Swoop Funding?
Hydr offers confidential invoice discounting (your customers are not notified). Swoop Funding is not a lender itself, but confidential invoice discounting is available through the funders on its panel, who set the terms.
Where does each one struggle?
Hydr is the wrong fit for high-volume whole-ledger users. Swoop Funding is the wrong fit for direct-lender relationship seekers. If either describes your business, browse the side-by-side or get 3 free quotes through our quote form.
Can Market Invoice help me choose between Hydr and Swoop Funding?
Yes. marketinvoice.co.uk is an independent comparison and introducer service operated by Best Business Loans Ltd (company 16833937), and is not tied to either provider. Share your turnover, sector and debtor profile and eCapital, our introduction partner, handles your enquiry and comes back to you with quotes, with no obligation to proceed.
Related
Sources
- Rates, advance percentages and product details checked against Hydr's own site.
- Rates, advance percentages and product details checked against Swoop Funding's own site.
- Hydr: 100% advance, fixed fee per invoice, onboarding under 10 minutes
- Hydr: setup time
- Swoop Funding: advance up to 95%, £30k minimum turnover, payment usually within 48 hours, "a credit broker, not a lender"
Get 3 free quotes
Tell us monthly turnover, sector, debtor profile and whether the facility needs to be confidential. eCapital, our introduction partner, handles your enquiry and comes back to you with quotes. Free, and no obligation to proceed.
Get my 3 quotes →Best Business Loans Ltd (16833937), directed by Oliver Mackman, owns and operates Market Invoice. Last updated: .
Compare Hydr and Swoop Funding quotes
Free, no obligation. Tell us about your business and eCapital, our introduction partner, handles your enquiry and comes back to you with quotes.
Step 1 of 3 · Your business
Free to you: our introduction partner pays us a fixed fee for each introduction, whether or not you go ahead. See our privacy policy.
How we make money: Market Invoice is an independent comparison service, not a lender. Our introduction partner pays us a fixed fee for each business we introduce, whether or not you go ahead; you never pay us and it is never added to your costs. How we are funded.
Disclosure: marketinvoice.co.uk is an independent invoice finance comparison and introducer service operated by Best Business Loans Ltd (company number 16833937). It is a separate business and is not connected to Kriya, Allica Bank or to any provider named on this page. Our introduction partner pays us a fixed fee for each business we introduce, whether or not a facility follows; this is never added to your costs. Invoice finance for limited companies is not a regulated activity, so this comparison is general information rather than regulated financial advice. Figures are indicative; larger facilities are commonly priced bespoke, so confirm terms directly with the provider before you sign.