A versatile alternative to inventory finance—up to £250k

Spotcap's inventory finance alternative is simple, fast and transparent. Things that matter to business owners.

Unsecured, without collateral

Free non-committal application

Decision within 1 working day

No fees for repaying early

Get Started

Find out how much you qualify for

If you would like to continue, please fill in your e-mail address and enter a password. Completing the application could take as little as 15 minutes and you will receive a decision within one working day. An application is non-committal.

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Unsecured, no collateral

Non-committal application

Decision within one working day

No early repayment fees

Financing that lets you focus on your business

Unlike traditional inventory financing, our solution is fully unsecured, eliminating unnecessary personal risk

Up to £250k of finance

Flexible 1-15 month terms

Funds available within one working day

Only pay interest on what you use

We’re trusted by thousands of businesses

Don’t just take our word for it. Hear what our customers have to say about us:

Flexible finance when you need it most

Manage overheads

Control fluctuating cashflow

Buy stock in anticipation of busy periods

How can a Spotcap loan be an alternative to inventory finance?

A Spotcap loan provides you with a line of credit, against which you draw down funds as they are needed. Unlike most other types of inventory finance, a Spotcap loan is unsecured. If you have a strong sales record but are tight on working capital, it might be difficult to access inventory finance or a line of credit from a traditional provider. A loan from Spotcap is unsecured and serves the same purpose as inventory finance.

Because the loan is unsecured, it offers a compelling alternative to businesses looking for an inventory finance facility. The Spotcap loan solution has been designed to meet the needs of established businesses looking for continued success in the UK.

How to qualify for a business loan from Spotcap

UK business

Annual turnover of at least £250k

Trading for at least two years

Profitable business

Apply in minutes. Qualify in no time.

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Tell us about yourself and your business

Answer a few questions and provide some basic accounting and bank data
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Sit tight while we review your application

Our team of credit experts will review your application and we’ll be in touch with a decision
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Accept your offer

Once approved, you have immediate access to your funds. Choose when to have the funds deposited to your account

Business loan calculator

  • Amount
    £ 100,000
  • Time
    12 months

£9,168

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 24.2%, 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

  • Amount
    £
  • 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 24.2%, 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.

Why do retailers and wholesalers use inventory finance?

Retailers and wholesalers know the struggle of managing fluctuating and unpredictable demands on inventory. As a result, they need to make educated guesses about how much inventory to purchase, which means that they sometimes find themselves needing extra working capital to cover spikes in demand and slow periods.

Spotcap's business loan is designed to meet the working capital needs of retailers and wholesalers. It provides them with added cash flow to restock inventory and manage their business needs , allowing it to fulfil larger transactions. This can, in turn, potentially increase profit margins.

Frequently asked questions

Here's further information about finance from Spotcap

How to apply for a loan from Spotcap

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Tell us about yourself and your business

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Receive your decision within one working day

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Accept your offer and receive your funds

Qualification criteria

UK business

Annual turnover of +£250k

Trading for at least two years

Profitable business

Business Loan Calculator

Monthly Repayment

  • Amount
    £
  • 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 24.2%, 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.