Short term bridging loans solutions of up to £150k for UK SMEs

We offer a versatile answer to commercial cashflow challenges, providing short-term bridging loans in the UK

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Bridging loans for UK SMEs

What are bridging loans?

In a fast-paced commercial world, gaps can appear in your cashflow. Bridge loans can cover these gaps, providing essential funds at critical moments. A typical loan arrangement may be in place for a few days or a few weeks.

While often associated with the purchase of property, a short term bridging loan can cover almost any short-term financial need. It can offer welcome respite while you’re putting longer-term financial arrangements in place.

A business loan from Spotcap is a flexible alternative to a traditional short term bridging loan. By giving you access to the capital you need, it can give you the confidence to move forward with your plans for your business.

Bridging loans for UK SMEs

What are bridging loans?

In a fast-paced commercial world, gaps can appear in your cashflow. Bridge loans can cover these gaps, providing essential funds at critical moments. A typical loan arrangement may be in place for a few days or a few weeks.

While often associated with the purchase of property, a short term bridging loan can cover almost any short-term financial need. It can offer welcome respite while you’re putting longer-term financial arrangements in place.

A business loan from Spotcap is a flexible alternative to a traditional short term bridging loan. By giving you access to the capital you need, it can give you the confidence to move forward with your plans for your business.

How can a Spotcap loan meet your bridging loans needs?

Use the funds you borrow from us for a wide range of commercial activities, including:

  • Protect the payroll

    You can’t afford for working capital fluctuations to prevent you paying your employees on time. While payroll payments are predictable, receipts from customers don’t always come in as expected. That’s where flexible access to a short-term bridging loan alternative from Spotcap can help.

  • Invest in a major project

    Securing a major piece of work requires investment of time and money. A bridging loan allows you to fund that investment before it starts generating income.

  • Property purchase

    Real estate transactions are the traditional home of the bridging loan. Because it can take a while to finalise mortgage arrangements, short-term finance can let you move ahead with a purchase, or fill a timing gap in your funding.

  • Stock your shelves

    Whether you’re a retailer, a manufacturer or a service provider, there are times when you need to stock up in advance of making sales. A tailored short-term business loan could be the answer to this bridging finance need.

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Short term bridging loans in the UK

Spotcap finance benefits over bridging loans

Because it’s a short-term finance solution, a business bridging facility needs the flexibility to respond to changing circumstances. This capability to adapt is a primary feature of our business loans.

A traditional bridging loan lets you borrow a specified amount, on which you pay interest and charges. A Spotcap loan begins with a line of credit, where you can choose how much to borrow as you need it. In the early stages you can borrow in smaller amounts, giving you more control over interest costs.

Each withdrawal becomes a business loan that’s typically repayable over 7 to 15 months. You can choose to repay early with no penalty fee. Because it’s so flexible, a Spotcap business loan is a popular short term bridging loan solution.

Our bridging loans alternative - the key facts

We’re bringing a unique approach to business lending in the UK

Loan amount

Your business could benefit from a loan of between £10k and £150k.

Loan terms

Repayments are typically monthly, over 7-15 months. In addition, in the early months, you can choose how much of the loan to draw down.

Criteria to qualify

Spotcap small business loans are available to firms operating in the UK, with a minimum turnover of £250k, who have been operational for 24 months and have a UK bank account.

Interest rates

The interest rate on your small business loan will reflect market conditions and your recent business performance. Use our business loan calculator to estimate the interest rate and monthly repayments.

Bridging loans alternative repayment calculator

  • Amount
    £100,000
  • Time
    12 months

£9,340

Monthly Repayment

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Monthly Repayment

£9,340

  • Amount
    £100,000
  • Time
    12 months
Apply Now
For illustrative purposes only. The example shown above is based on 1.8% average monthly interest rate and 2.0% arrangement fee. The APR is . 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.

How to apply for a short term bridging loan alternative from Spotcap

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Sign up

Applying for a business loan starts with entering basic personal and business information.

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Complete the application

Link your accounting software and business bank account, or upload financial statements, to complete the loan application.

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Get approval

Once approved, you’ll have access to your business loan within one working day.

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