Financing opportunities for UK SMEs
Apply online for a versatile business loan of up to £150k in the UK
£9,340
Monthly Repayment
Monthly Repayment
£9,340
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.
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.
Understanding your funding options
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.
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.
Peer to peer lending alternative
Take advantage of new approaches to business finance. We offer a unique alternative to modern forms of funding, such as peer to peer lending.
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.
We’re trusted by thousands of businesses worldwide
Learn what users of Spotcap loans have to say about dealing with us
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* These are genuine reviews from Spotcap customers in the Netherlands and Australia.
Spotcap at events
Catch us on the event circuit
Spotcap in the media
"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."