A better take on business loans

Available up to £250k

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


Monthly repayment




  • Amount
  • Duration
    9 months
PeriodPrincipal amountInterest amountOutstanding amount
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.


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.

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

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.

"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."


Join us at our upcoming events


11sep12:00 pm5:00 pmNACFB Patrons DayBrokers12:00 pm - 5:00 pm Event Type :Brokers


17oct9:00 am1:00 pmNACFB Unsecured Finance Roundtable Birmingham9:00 am - 1:00 pm Event Type :Brokers