Do I qualify for a Spotcap business loan?

We take a different approach to handling loan applications. You apply online, through a streamlined process that can take just 15 minutes. Our systems allow a robust assessment of your firm’s financial condition, leading to a decision within one working day

We consider loan applications from businesses which meet these criteria:


At least £250k in the last year.


Operating for at least 24 months.


Has a UK business bank account.


Two years of financial reports.


Based in the UK.

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.

Need more information?

Do you have questions?

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Want to speak with us?

Give us a call on 020 330 89 188 from Monday to Friday between 9:00am and 6:00pm.