The new approach to asset finance for UK businesses
The effective solution for both established and growing firms looking to borrow. Apply online for a prompt loan decision.

Apply online
Don’t waste time with unnecessary forms and meetings.
For any purpose
Flexible, controllable funding, tailored to your specific needs.
Maximise ROI
Competitive rates and charges, with no hidden costs.
Peace of mind
Your application is processed promptly, rigorously and securely.
What is asset finance?
Business assets come in all shapes and sizes but what they have in common is cost. The easiest way for a firm to afford a new asset, such as a piece of manufacturing equipment, is to borrow, with a loan secured on the asset.
Asset finance solutions comes in various forms. These include leasing and hire purchase, which allows a business to make use of an asset over time without buying it outright. Other forms of asset finance permit a firm to borrow against the value of its existing assets.
A Spotcap loan offer can offer all the benefits of asset finance without using the asset as security. We can offer unsecured loans to assist you in financing assets because of our rigorous and unique approach to assessing the financial condition of your business.

What is asset finance?
Business assets come in all shapes and sizes but what they have in common is cost. The easiest way for a firm to afford a new asset, such as a piece of manufacturing equipment, is to borrow, with a loan secured on the asset.
Asset finance solutions comes in various forms. These include leasing and hire purchase, which allows a business to make use of an asset over time without buying it outright. Other forms of asset finance permit a firm to borrow against the value of its existing assets.
A Spotcap loan offer can offer all the benefits of asset finance without using the asset as security. We can offer unsecured loans to assist you in financing assets because of our rigorous and unique approach to assessing the financial condition of your business.

How a does a Spotcap unsecured loan compare with asset finance?
The big difference between a loan from Spotcap and a typical asset finance arrangement is that our solution gives you more control over your assets, and therefore your business. We make it easier for you to run your business as you want to.
Once you’re approved for a Spotcap loan, you’re given access to a line of credit. From this you can draw down the working capital you need. In addition to fees, you pay interest on what you borrow. This keeps you in control of your finance costs.
The flexibility of a Spotcap loan, when compared to traditional asset finance, also extends to repayments. If you can repay early, we don’t charge you any penalties and you save on interest costs. Ours is designed to be a convenient, versatile business loan solution.
How could a Spotcap business loan be your alternative to asset finance?
Here are some of the ways that an unsecured loan from us can be a more flexible substitute for asset finance:
Key points about a Spotcap asset finance loan
We offer a unique loan solution to funding your business assets
Business loan repayment calculator
£9,340
Monthly Repayment
Monthly Repayment
£9,168
How to apply for your small business loan
Sign up
Applying for our business loan starts with the entry of basic personal and business information, all input online.
Complete the application
We require you to upload your bank statements and recent financial reports. Alternatively, you can link your accounting software.
Get approval
When you are approved, allow one working day to gain access to your business loan.