Alternative business funding up to £250k

Discover alternative sources of finance to move your business forward

Suitable for well-established businesses

Dedicated team of underwriting experts

Decision in one working day

No early repayment fees

Suited to well-established businesses

Dedicated team of underwriting experts

Decision in one working day

No early repayment fees

0%
completed

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.

What alternatives are there to traditional business loans?

In the dynamic world of business, there’s rarely time to spare on waiting for appointments, assessments and approvals.

An alternative option for funding is the unsecured business loan, which can be granted within one working day. It doesn’t require security to borrow against, and is a better solution for short-term business plans, such as purchasing inventory, refurbishment or investing in an advertising campaign to boost sales.

How is Spotcap an alternative to traditional loans?

We understand that businesses need swift access to finance when an opportunity knocks on their door.

The Spotcap loan is designed with this need in mind. An application can take as little as 15 minutes, and our technology and bank-level underwriting enables us to come back with a decision within one working day. What’s more, our financing is fully unsecured, meaning you don’t need to put down any assets or a personal guarantee.

Alternative business funding that fits your needs

Up to £250k of finance

Pay interest only on what you use

Straightforward paperless application

Funds available within one working day

Payment calculator

  • 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.

We’re trusted by thousands of businesses

400x400-1-1-50x50

Excellent service - quick, simple and easy to understand.

Karen and Jason Kirk

Kirk & Kirk founders

Benefit from Spotcap's alternative funding

It’s your business, so you choose how to use the finance. Our loans suit many purposes.

  • Boost your cash flow

    Protect your business from short-term cash flow challenges. A business alternative funding solution can give you financial stability if you need to make additional payments or cover unexpected costs.
  • Bridge receivables

    Keeping your finances healthy can get difficult. This is especially true when you’re handling seasonal shifts or waiting on outstanding invoices. Ease the pressure with short-term alternative funding.

  • Invest in new equipment or inventory

    Preparing for a busy season or introducing a new product? An alternative short-term choice can supply the working capital you need to restock your inventory and meet customer demand.
  • Revamp your location

    Attract your customers through an ambiance that will make them want to visit again. With an alternative business funding option, you can refresh your premises or upgrade to a brand-new look.

The successful applicant checklist

What we look for in applications

UK business operating longer than 5 years (min. 3 years)

Annual turnover of £1 million (min. £500k)

Well-established, profitable business

Consistent revenue over the last 6 months

How to apply for a short-term funding alternative

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

null

Tell us about your business

Answer a few questions and provide some financial information about your business.
null

We review your application

Our team of credit experts will review your application and we’ll be in touch with a decision within one working day.
null

Accept your offer

Once your application is approved, your funds will be available within one working day.

We're here to help

Spotcap-Symbol-Web2

Learn more about the product

Email us Spotcap Client Services

Liam

Get help with your application

Call Liam Sales Support Manager

How to apply

null

Tell us about your business

null

Receive a decision within one working day

null

Accept your offer and receive your funds

The successful applicant checklist

UK business operating longer than 5 years (min. 3 years)

Annual turnover of £1 million (min. £500k)

Well-established, profitable business

Consistent revenue over the last 6 months

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.
X