Financing opportunities for UK SMEs

Apply online for a versatile business loan of up to £150k in the UK

Spotcap UK
  • Amount
  • Time
    12 months


Monthly Repayment

Monthly Repayment


  • Amount
  • Time
    12 months
For illustrative purposes only. The example shown above is based on 1.8% average monthly interest rate and 2.0% arrangement fee. The APR is . 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.

Flexible and accessible business finance

Apply online

Don’t waste time with unnecessary forms and meetings.

For any purpose

Flexible, controllable funding, tailored to your needs.

Maximise ROI

Competitive rates and charges, with no hidden costs.

Peace of mind

Your application is processed promptly, rigorously and securely.

How it works

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.

Do I qualify for a Spotcap UK business loan?

We use a unique, proprietary credit algorithm which gives us deep insight into the financial condition of a business. This enables us to make quick, sound decisions when offering loans.

You can apply if your business meets these minimum criteria

Your business is based in the UK.

Your turnover was at least £250k over the last year.

You’ve been trading for at least two years.

You operate a UK business bank account.

Versatile business loans tailored to your needs

Small business loans

Broaden your horizons with an unsecured business loan. Our new take on traditional business lending moves the application and approval process online, making it a faster and more convenient way to secure a loan.

Spotcap UK

Working capital

Investing in your future has become easier thanks to our unique approach to providing business finance. Discover a versatile way to fund new equipment, new products, new people and new opportunities.

working capital | unsecured loans

Peer to peer lending

Take advantage of new approaches to business finance. We offer a unique alternative to modern forms of funding, such as peer to peer lending.

Merchant Cash Advance

Our business loans for retailers are both off-the-shelf and easily customisable to your specific situation. Borrow only what you need as you need it, repay when you want and stay in control of your cashflow.

Alternative Finance

Borrowing for business is getting more exciting and more accessible thanks to new methods of lending. Explore our unique finance solution, designed to give established and growing businesses a welcome cashflow boost.

Alternative business funding in the UK

We’re trusted by hundreds of businesses

Learn what users of Spotcap loans have to say about dealing with us

* These are genuine reviews from Spotcap customers in the Netherlands and Australia.

"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."