Apply online for a business loan from £10k to £150k

You could be approved for a loan within 24 hours of completing our online application process

How does Spotcap work at a glance?

Signup with us

You initiate the business loan application by registering with us and completing a pre-qualification checklist.

GET STARTED

Complete your application

We guide you through the process of uploading the necessary tax, accounting and bank information, while giving us the required personal and business data.

HOW TO APPLY

Complete your application

We guide you through the process of uploading the necessary tax, accounting and bank information, while giving us the required personal and business data.

HOW TO APPLY

Get approval

Once approved, you can access your business loan within one working day. This allows you to start drawing down finance as you need it.

APPLY NOW

How can finance from Spotcap help
my business?

Our customers use their Spotcap business loans for a variety of purposes.
We’re here to help growing businesses access flexible finance.

Up to 6 months

Upgrade business critical technology

Enhance your web presence

Buy new stock or equipment

Up to 15 months

Hire talented staff

Drive new sales with a marketing campaign

Open a new office or store

Do I qualify for a business loan?

We focus on your recent business performance, assessing the financial health of your business through a unique combination of sophisticated algorithms and specialist assessment. To qualify for a business loan, you need to meet our criteria below.

A business based in the UK

Annual turnover of at least £250k

At least 24 months of business operations

A UK business bank account

Basic personal and business information

Bank statements for the last 12 months

Your business' recent financial documents

Read more about How to Apply.

  • Amount
    £ 100,000
  • Time
    12 months

£9,340

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 , 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

£13,752

  • Amount
    £ 150,000
  • 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 , 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.

"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."