Let your business benefit from equipment finance loans
Whether you’re looking to hire, lease purchase or buy outright, our solution can provide vital funds of up to £150k.

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 equipment finance?
There’s plenty of choice when it comes to choosing how to finance new equipment, such as air conditioning, computers or a commercial kitchen. There are a wide variety of loans and leases available, including hire purchase, along with operating leases and finance leases.
Before committing to any form of equipment finance, it’s important to understand the key features of the financial arrangement you’re entering into. This includes who is responsible for the equipment’s maintenance, finance cancellation terms and potential penalty fees.
Equipment finance contracts, whether for lease or purchase, can be complex. In contrast, a business loan from Spotcap is straightforward. You could borrow up to £150k on a flexible basis that gives you more control over how you run your business.

What is equipment finance?
There’s plenty of choice when it comes to choosing how to finance new equipment, such as air conditioning, computers or a commercial kitchen. There are a wide variety of loans and leases available, including hire purchase, along with operating leases and finance leases.
Before committing to any form of equipment finance, it’s important to understand the key features of the financial arrangement you’re entering into. This includes who is responsible for the equipment’s maintenance, finance cancellation terms and potential penalty fees.
Equipment finance contracts, whether for lease or purchase, can be complex. In contrast, a business loan from Spotcap is straightforward. You could borrow up to £150k on a flexible basis that gives you more control over how you run your business.

Can a Spotcap unsecured loan be a substitute for equipment finance?
An equipment finance contract can commit you to borrowing more than you require, because financial circumstances change. A Spotcap loan is based on a credit line, giving you access to funds that you can draw down as your cash flow requires.
If you decide not to take anything from the line of credit we provide, there is nothing to pay. Our tariffs comprise an interest charge on the money you borrow and an arrangement fee. Unlike other financial commitments, you can choose to repay early with no penalty.Equipment finance is often linked directly to the asset, as a form of security. All Spotcap loans are unsecured. This is possible because of our unique credit assessment algorithm and our expert team of underwriters. These allow us to analyse the financial condition of your business and offer you a loan.
How can a Spotcap loan meet your equipment finance needs?
Once your loan with us is approved, it’s up to you how you use it. It could be to:
Key facts - equipment finance business loans
Versatile finance for established and growing businesses in the UK
Equipment finance loans repayment calculator
£9,340
Monthly Repayment
Monthly Repayment
£9,168
How to apply for your equipment finance
Sign up
Start the online process by giving us basic personal and business information.
Complete the application
Our time saving approach is based on uploading bank statements and financial reports, with the option to link your accounting system.
Get approval
Once approved, you will be given access to your business loan within one working day.