A better take on business loans

What we offer

A line of credit up to £250k that converts into a loan when you draw down

Flexible 1-24 month term

Fully unsecured – no guarantees needed

Quick 24 hours application turnaround

Dedicated client service

Pay less if you pay back early


Monthly repayment




  • Amount
    £ 125,000
  • Duration
    9 months
For illustrative purposes only. The example shown above is based on 1.4% average monthly interest rate and 2.0% arrangement fee. The APR (annual percentage rate) is 22.80%, 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.

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Spotcap in the media

Hear what the media has to say about Spotcap

"Spotcap’s business is based around new technology to help meet small business needs more efficiently than traditional lenders (...)"

"Spotcap lends to small and medium-sized companies, offering applicants a loan decision minutes after an algorithm rates their creditworthiness."

"The company uses an innovative credit scoring technology that directly evaluates real-life business data to provide fast and flexible financing."