Due to the Coronavirus outbreak, Spotcap is currently not assessing new loan applications in the UK. For further information click here.

A better take on business loans

Borrow £50k to £350k to fund your next step

What do we offer?


Business loans up to £350k

Submit a simple application online – no obligations

Up to 24 month loan term

Pay us back monthly – there are no early repayment fees

Decision in one working day

Once approved you can access the funds via a personal dashboard

Is Spotcap a fit for you?


UK business operating for more than 3 years


Minimum annual turnover of £500k


Well-established, profitable business


Consistent revenue over the last 12 months

How it works


Sign up in three steps

Submit your free application online. You can upload personal, company and financial information through your dashboard. The process is simple and only three steps.

Get an offer without obligation

Completed applications will be assessed in one working day. If approved you receive a completely non-binding offer.

Withdraw the funds

Your funds can be withdrawn right away by logging in to your online dashboard. You only pay for the funds you use.

Our pricing

Our pricing is transparent, fair and very competitive. We only charge interest on your outstanding balance. Our rates start at 1% a month depending on your business. There are no early repayment fees.

Trusted by thousands of businesses

Explore Our Customer Stories

"Spotcap delivered a lifeline to an established and profitable business that was facing a cash flow issue due to circumstances out of management’s control."

Martin Aerospace

Partner with Spotcap

Take your client’s business to the next level with our business loans. We work with introducers including commercial finance brokers, financial advisors, corporate partners and accountants. Read our partner stories here.