Here is the deal with Swift. They are afraid of big deals. If the deal is under 50k it will generally take 2-3 days to fund. Over 50k is another story. Just like stat said earlier, they move quickly if they really like the deal. Otherwise, they stip you to death until the deal dies. However, i disagree with Jared regarding pricing. Their pricing is definitely in line with the bigger players.

They have a Peak program. Merchants with credit scores over 650+ with good business credit will qualify for this. Buy rates on that are as follows:

6 Months 1.11
9 Months 1.17
12 Months 1.19

Standard Pricing

6 Months 1.13
9 Months 1.21
12 Months 1.25