Accountant Partner Programme

We partner with hundreds of introducers including commercial finance brokers, financial advisors, corporate partners and accountants

Straightforward finance that fits your needs


Business loans up to £250k

We use a simple online application to let you know how much finance you can access


1-15 months term

Designed to suit your needs, a Spotcap business loan is flexible with no early repayment fees


Decision in one working day

Once approved for a business loan, it only takes one working day to get access to the funds

Partner with Spotcap

Fully unsecured with no guarantees needed

Enhance your service offering and revenue stream

Fast and simple process with dedicated account manager

“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.”

David Pick

Vintage TV

How it works


Register as a partner

Signing up takes less than 5 minutes and gives you access to a personal dashboard where you can submit and track applications.

Submit an application in minutes

Apply online on behalf of your client or refer your client to complete the application in as little as 15 minutes.

We assess the application

We usually make a decision within 24 hours. We will let you know as soon as possible if we need additional information.

Receive an offer for your client

We’ll send you a proposal via email including origination fee and monthly interest rate.

Your client accepts

Your client can choose when to draw down. The credit line then converts into a term loan with funds immediately available.

What we look for

UK business

Minimum annual turnover of £250k

Trading for at least two years

Profitable business

Partner With Spotcap

Please leave us your details and we'll be in touch very soon

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 £10k and can go up to £300k.
  • 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.
  • Who can I speak to if I have more questions?

    Our Customer Service team wants to help you. Give them a call on 020 330 89 188, or email The team is available every business day between 9:00am and 6:00pm.