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

How to apply

Submit an application in three steps, receive a response in one working day

Three simple steps to apply. So you can get back to business.


General Information

Your name, date of birth and contact information

Business Information

Business name and company number

Bank Statements

Provide 6-12 months bank statements preferably in a PDF or CSV format. If CSV files are provided we will require a screenshot of your bank account. This should include your account details, account name, transactions as well as closing balance.

VAT Returns

Your VAT returns from the last 12 months (4 quarters) if applying for £50k-£200k or, 15 months (5 quarters) if applying for £200k+

Financial Statements

Latest filed, full annual accounts

Management accounts if annual accounts are older than 6 months


Aged Debtor Listing

Aged debtor listing where invoice finance is being used

Receive a response in one working day

Our team of credit experts will take a close look at your application and we will be in touch in one working day. We know you’ve got work to do and want to help you get back to business as soon as possible. If your application is approved, the funds will be available within 3-5 days.

Do you need help with the application process? Get in touch and our client service team will guide you through the process.

Want to know more?

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