Alternative business funding up to £250k

Discover alternative sources of finance to move your business forward

Unsecured, without collateral

Free non-committal application

Decision within 1 working day

No fees for repaying early

Get Started

Find out how much you qualify for

If you would like to continue, please fill in your e-mail address and enter a password. Completing the application could take as little as 15 minutes and you will receive a decision within one working day. An application is non-committal.

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8 characters 1 digit 1 special character

Unsecured, no collateral

Non-committal application

Fast decision within one working day

No early repayment fees

Alternative business funding from Spotcap

There's a better way to fund your business. Our solutions are designed with your needs in mind.

Up to £250k of finance

Interest is only charged on what you use

Fast online application

Loans can be repaid over flexible periods

We’re trusted by thousands of businesses

Don’t just take our word for it. Hear what our customers have to say about us:

How you can benefit from alternative business funding from Spotcap

Boost your cash flow

Invest in new equipment or inventory

Bridge receivables

Access working capital quickly

Loans can be repaid over flexible periods

What makes Spotcap's alternative business funding unique?

We've developed a straight-forward way to offer you business funding up to £250k within one working day. We use a simple online application to determine the financial health of your business and let you know how much finance you can access.

Do I qualify for a business loan from Spotcap?

UK business

Annual turnover of at least £500k

Trading for at least three years

Profitable business

How do I apply for alternative business funding from Spotcap?

An online application can be completed in as little as 15 minutes

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Tell us about yourself and your business

Answer a few questions and provide some basic accounting and bank data
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Sit tight while we review your application

Our team of credit experts will review your application and we’ll be in touch with a decision
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Accept your offer

Once approved, you have immediate access to your funds. Choose when to have the funds deposited to your account

Clear, transparent pricing

  • Amount
    £ 100,000
  • Time
    12 months

£9,168

Monthly Repayment

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 24.2%, 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.

Monthly Repayment

  • Amount
    £
  • Time
    12 months
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 24.2%, 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.

What alternative sources of funding are available to me?

Online lenders are just one piece of the colourful alternative finance puzzle. Often enabled by technology, there are many avenues of alternative funding for businesses to pursue.

  • Peer-to-Peer (P2P)
    Peer to Peer lending allows private investors to create a pot of capital from which businesses can borrow. Made easy by the internet, it’s become a very popular form of alternative business finance.
  • Crowdfunding
    Made possible by the internet, crowdfunding also allows individuals to form an alternative funding source, but investors usually pay smaller amounts and expect a reward rather than a return of their funds.
  • Venture capital
    This is a business that does business by lending to others in return for a share of the equity. This form of alternative finance also provides business advice from the venture capitalists.
  • Business angels
    A business angel is an individual who chooses to invest in a company in return for a share of the ownership. Like venture capital, this form of alternative funding also comes with advice from the angel.
  • Asset finance
    Unlocking the value of business assets to provide working capital isn’t a new approach to alternative business finance. However, the internet has made it much easier and asset finance now takes many different forms.

Frequently asked questions

Here's further information about finance from Spotcap

How to apply for a loan from Spotcap

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Tell us about yourself and your business

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Receive your decision within one working day

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Accept your offer and receive your funds

Qualification criteria

UK business

Annual turnover of +£250k

Trading for at least three years

Profitable business

Business loan calculator

Monthly Repayment

  • Amount
    £
  • Time
    12 months
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 24.2%, 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.