A better take on business loans

Available up to £250k

Watch Karen's & Jason's Story

Photo: Suki Dhanda as part of a paid partnership with Guardian Labs

£9,054

Monthly repayment

£14,951

Interest

£9,168

Total

Apply Now

Amount
£125,000
Duration
9 months

Apply Now

Period	Principal amount	Interest amount	Outstanding amount

Apply Now

For illustrative purposes only. The example shown above is based on 1.4% average monthly interest rate and 2.0% arrangement fee. The APR (annual percentage rate) is 22.80%, which includes both interest and fee. The total payable amount is . This amount consists of principle, interest and fee. We base our decisions on several criteria and loans can only be granted to borrowers who can afford repayments. For more information about responsible lending click here or contact us directly.

A quick decision

Receive a decision in one working day.

For any purpose

Flexible funding tailored to your needs.

Transparent

Competitive rates with no hidden costs.

FCA regulated

Regulated by the Financial Conduct Authority.

How it works

Sign up with us

You initiate the business loan application by registering with us and completing a pre-qualification checklist.

Complete your application

We guide you through the process of uploading the necessary tax, accounting and bank information, while giving us the required personal and business data.

Get approval

Once approved, you can access your business loan within one working day. This allows you to start drawing down finance as you need it.

Apply now

Partner with Spotcap

Help your clients get the finance they need. We partner with hundreds of introducers including commercial finance brokers, financial advisors, corporate partners and accountants

FIND OUT MORE

We’re trusted by thousands of businesses

Meet some of our clients from across the UK. Whether bubble tea, lighting suppliers, or sporting goods, the one thing they all have in common is that Spotcap has been a key component to their business success.

Teas that please

No, not a cup of Earl Grey, but rather a cold colourful drink with tapioca balls. When a bubble tea company with many branches across England and Scotland got in touch we were keen to help. Having demonstrated profit and stable revenues, a short term loan was the perfect fit.

Finances on par

When a little birdie told us about the opportunity to finance a golf store we were more than happy to play caddie to see what we could do. The profitable retailer based in the South-East was able to demonstrate stable finances, making a positive decision possible within 24 hours.

The future looks bright

A leading automated lighting supplier, based in the Midlands, recently switched procurement from within the UK to the Far East. As a result, the cash flow changed, and funds were needed to ensure continuity of supply. Within one day we provided a loan and the outlook is once again bright!

Spotcap in the media

Hear what the media has to say about Spotcap

"Spotcap’s business is based around new technology to help meet small business needs more efficiently than traditional lenders (...)"

"Spotcap lends to small and medium-sized companies, offering applicants a loan decision minutes after an algorithm rates their creditworthiness."

"The company uses an innovative credit scoring technology that directly evaluates real-life business data to provide fast and flexible financing."

Events

Join us at our upcoming events

No Events on The List at This Time