Unsecured finance that fits your clients' needs
Business loans up to £350k
Fully unsecured finance, no guarantees required
1-24 months term
A Spotcap business loan is flexible with no early repayment fees
Decision in one working day
You will receive a decision in typically one working day
What we offer
“We looked at traditional lenders but it proved so time-consuming and expensive to service their constant requests that we decided to pursue other options. I was recommended Spotcap by a firm of accountants. It was that simple. I was extremely impressed.”
Swift application process
Become a partner and submit application
Credit decision within one working day
Client accepts and draws down
What we look for
Partner With Spotcap
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We’re trusted by thousands of businesses
Meet a selection of businesses 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.
Frequently Asked Questions
What makes Spotcap different from other lenders?We provide finance to businesses that traditionally would have gone to their bank for a loan. Today these firms want a quicker, more versatile approach to borrowing, which we provide through an online application and a fast yet robust approach to credit analysis and loan approval. Our rigorous solution gives us the confidence to offer unsecured loans.
How much can a business borrow?The amount a business can borrow is based on their turnover, our assessment of their financial condition and how much they request. Our unsecured lines of credit and business loans start at £50k and can go up to £350k.
Does a loan need to be linked to a specific business purpose?We understand that firms need access to working capital for many different reasons, and that commercial circumstances can sometimes change quickly. Once a business loan is approved, it’s the choice of the business how it makes use of those funds.
How quickly can a business access its business loan?Because the application process is online, and much of it involves only uploading financial reports, an application can be completed in around fifteen minutes. If approved, notification is given within one working day, from which point the funds are available to draw down.
Do I have to complete all loan applications for my clients?As a partner, you are given access to our proprietary Partner Dashboard. From here you can apply on behalf of your clients and monitor the application progress. However, you can also direct your clients to apply online for themselves.