Franchise loans for SMEs in the UK

We provide business loans to both franchisees and franchisors. Whatever your franchise loan requirements, take a look at what we offer.

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.

Let a franchise loan boost your UK business

A franchise can be a highly effective way to leverage a successful business model. Running a franchise business lets you benefit from a proven brand. If you’re looking to expand your own business, you could choose to grow through the franchise model.

Whether you’re a franchisee or franchisor, remaining competitive in any market means ongoing investment in technology, premises, people and ideas. Securing the capital for investment often requires a loan or other type of business funding.

Getting a loan in today’s financial climate is rarely easy, and it’s harder in some industries than others. Spotcap brings a unique approach to business loans, which can make finance for franchises more accessible.

Let a franchise loan boost your UK business

A franchise can be a highly effective way to leverage a successful business model. Running a franchise business lets you benefit from a proven brand. If you’re looking to expand your own business, you could choose to grow through the franchise model.

Whether you’re a franchisee or franchisor, remaining competitive in any market means ongoing investment in technology, premises, people and ideas. Securing the capital for investment often requires a loan or other type of business funding.

Getting a loan in today’s financial climate is rarely easy, and it’s harder in some industries than others. Spotcap brings a unique approach to business loans, which can make finance for franchises more accessible.

How can my franchise business benefit from Spotcap finance?

The versatility of our loans means they can be applied to a variety of business purposes. Your loan could be used to:

  • Evolve your business into a franchise operation

    Growing your business by developing a franchise programme requires considerable investment. A business loan could help you pay the necessary consultancy and marketing fees.

  • Take on new premises

    Expanding your franchise business can mean either relocating or expanding at your current site. Either way, a Spotcap loan can provide the capital needed to make this investment.

  • Upgrade your technology

    There are various forms of asset finance available to help you fund new computers, new telecoms and other new digital technologies. A loan from us has the advantage of not being secured on your assets.

  • Increase your working capital

    There’s always a fine balance between having cash idle in your business and not having enough for your day-to-day needs. The flexible nature of our loans helps you to raise capital quickly when you need it.

Short term loans for UK businesses and SMEs

How will a franchise loan from Spotcap work for my business?

A Spotcap loan works in exactly the same way, whatever your franchise finance needs. Our unique approach makes our loans extremely versatile and they can be adapted for a wide variety of business purposes.

When approved for a loan, you’re granted access to a line of credit. From this, you draw down funds only when you need them. Each drawdown becomes a loan that’s usually repayable over 7 to 15 months.

In addition, we do not charge early repayment fees, should you choose to settle early. This flexibility makes a Spotcap loan ideal if you’re running a franchise business or want to turn your business into a franchise.

Here’s what you need to know about our business loans

Our loans deliver versatile finance to franchise businesses across the UK.

Loan amount

We help businesses by lending amounts of between £10k and £150k.

Loan terms

A Spotcap loan starts as a line of credit. You withdraw what you need, when you need it. These withdrawals become loans, usually repayable over 7 to 15 months.

Criteria to qualify

Our basic eligibility requirements are: your business must have a turnover of at least £250k, be based in the UK with a UK business bank account, and have been operating for at least 24 months.

Interest rates

Our business loan calculator can help you estimate interest costs and monthly repayments. The rate on your loan will be calculated based on market conditions and your recent business performance.

Business loan repayment calculator

  • Amount
    £100,000
  • Time
    12 months

£9,340

Monthly Repayment

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.

Monthly Repayment

£9,340

  • Amount
    £100,000
  • Time
    12 months
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 your small business loan

signup-gradient

Sign up

We need basic personal and business information to initiate the application process.

connect-gradient

Complete the application

To finish your online application, upload your bank statements and submit your financial reports, either by uploading them or linking your accounting software.

approved-gradient

Get approval

Once approved for a business loan, it will take only one working day to get access to the funds.