Due to the Coronavirus outbreak, Spotcap is currently not assessing new loan applications in the UK. For further information click here.

Business loans for established companies

Financing up to £350k

Our product


Business loans up to £350k

Our simple online application removes unnecessary paperwork and is without obligation

Borrow for up to 24 months

You repay us monthly and there are no fees for early repayments

Decision in one working day

Once approved you will have access to the funds via a personal online dashboard



Outstanding service

For your efficiency and ease, we combine an application process that is entirely online with support from our experienced client service team.

Flexible access

Once you have accepted your credit line you pay nothing until you decide to make a withdrawal. There are no early repayment fees.

Finance that fits

We offer loans without a personal guarantee as well as with a full or partial personal guarantee. For group structures we will also accept a corporate guarantee.

Competitive pricing

Our pricing is transparent, fair and very competitive. We only charge interest on your outstanding balance. Our rates start at 1% per month depending on your business.

A flexible business loan

Our business loan provides funding and flexibility. Once your application has been approved you have one month to make an initial draw down. You can withdraw the full amount or a part of what has been approved. Based on your needs you can continue to make withdrawals until you reach the approved limit. You will only be charged for what you use.

Popular reasons to borrow

You can use our business loan for many different purposes



Manage cash flow


Bridge receivables


Buy inventory



Purchase equipment


Refurbish premises


Hire staff

Data Security

We ask you for your business transaction files, the VAT returns for the past four to five quarters and a screenshot of your business bank account. The data from these files are indispensable for us in conducting an accurate credit analysis. We are aware that these files may contain sensitive and/or confidential information. That is why we handle this with the utmost confidentiality. We use your data exclusively for our credit analysis and never provide it to third parties. In addition, we never harm the privacy or security of you or your company.

Want to know more?

Speak to our client service team on 0203 308 9188, visit our FAQs page or have a look at our brochure.