Bridging loans up to £250k for British businesses

An unsecured business loan from Spotcap can help you manage periods between funding

Unsecured, without collateral

Free non-committal application

Decision within one working day

No fees for repaying early

Unsecured, no collateral

Non-committal application

Fast decision within one working day

No early repayment fees

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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What we offer

Straightforward finance to keep your business moving

Bridging loans up to £250k

Only pay interest on what you use

Quick 24 hour application turnaround

Flexible 1-15 month terms

We’re trusted by thousands of businesses

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

Flexible finance

Boost your working capital

Cover unforeseen expenses

Overcome seasonal bumps

Pay suppliers & purchase inventory

What's unique about a bridging loan from Spotcap?

When a business is waiting on funding to come through its amount of working capital can take a serious hit. For example, if a business is waiting on a funding round to close or a large invoice to be paid. Despite the finance on the horizon, a business still needs working capital to cover day-to-day operations like payroll, rent and inventory.

This is where bridging loans step in. Designed to 'bridge' the gap between funding, they tend to be short-term financial solutions with a fast turnaround time. However, a traditional bridging loan may still take a number of weeks to apply for, with a lender requiring a lot of future and historical business data. Fully unsecured, a bridging loan from Spotcap can be issued in as little as 24 hours – suiting businesses that need a quick capital boost.

Do I qualify for a bridging loan from Spotcap?

UK business

Annual turnover of at least £250k

Trading for at least two years

Profitable business

Apply in three easy steps

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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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Receive your decision within one working day

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

Business loan calculator

  • Amount
    £ 100,000
  • Time
    12 months

£9,168

Monthly Repayment

For illustrative purposes only. The example shown above is based on 1.5% 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 1.5% 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 are the differences between bridging loans and traditional loans?

Traditional commercial loans are usually used for longer term business purposes, like large scale capital investments and purchasing real estate. These types of loans, usually generated by established financial institutions, tend to have fixed repayment periods (known as terms) and lower interest rates. Sometimes, traditional loans come with early repayment penalties – charges a borrower incurs if they repay the loan before the term is up.

Bridging loans, on the other hand, are designed for short-term use and tend to have higher interest rates. They cover gaps in business cash flow, and tend to be used by businesses that have incoming finance.

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 two years

Profitable business

Business loan calculator

Monthly Repayment

  • Amount
    £
  • Time
    12 months
For illustrative purposes only. The example shown above is based on 1.5% 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.