Manufacturing finance of up to £150,000 for UK businesses

Expand your opportunities with a manufacturing loan. We can provide the funding you need for your manufacturing business to succeed.

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.

A manufacturing loan to facilitate business success

Manufacturing businesses are at the heart of our economy, leveraging a strong UK tradition of engineering excellence. There is huge diversity in the types and size of manufacturing businesses, but what they all have in common is the need to be competitive if they are to survive.

Staying competitive means investing to keep up, or better still, stay ahead. New technologies such as 3D printing, advanced materials and virtual reality can’t be ignored. This is where manufacturing loans can help, giving firms access to business finance.

What manufacturing businesses want is a flexible approach to lending that allows them to plan their investment while reacting to changing commercial conditions. This is exactly the new approach that Spotcap is bringing to manufacturing finance.

A manufacturing loan to facilitate business success

Manufacturing businesses are at the heart of our economy, leveraging a strong UK tradition of engineering excellence. There is huge diversity in the types and size of manufacturing businesses, but what they all have in common is the need to be competitive if they are to survive.

Staying competitive means investing to keep up, or better still, stay ahead. New technologies such as 3D printing, advanced materials and virtual reality can’t be ignored. This is where manufacturing loans can help, giving firms access to business finance.

What manufacturing businesses want is a flexible approach to lending that allows them to plan their investment while reacting to changing commercial conditions. This is exactly the new approach that Spotcap is bringing to manufacturing finance.

How can my manufacturing business benefit from a Spotcap loan?

Because our loans are not tied to your assets, you choose how to use the funds. Your finance could be used to:

  • Invest in streamlining production

    There are costs to be saved in your business through process improvement. A loan from us could finance the expertise you need to discover and take advantage of these hidden opportunities.

  • Develop new markets

    The products you make could be suited to markets you don’t currently serve, both in the UK and overseas. An injection of finance could help you find and market to potential new customers.

  • Invest in research and development

    A Spotcap loan can provide the boost you need to unlock the innovation and creativity in your business, by allowing you to develop new products.

  • Increase productivity through staff training

    Equipping your team with new skills can be a great way of sharpening your business for future success. Our flexible approach to manufacturing finance can help you fund the necessary education.

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

There are many variations in the types of finance available to manufacturing businesses, such as invoice finance, equipment finance and development loans. Each has its own features and it is important to select the finance that’s right for your business.

What sets a Spotcap loan apart from most other funding is that it’s very flexible, unsecured and based on your recent business performance. Ours is a forward-looking approach, backed by technology.

Your application is assessed by our proprietary credit analysis algorithm and our team of expert underwriters. Once approved, you have control over how much you borrow from your credit line and there are no early repayment penalties. Our loan gives you maximum control in running your business.

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

Our loans deliver versatile finance to manufacturing businesses across the UK

Loan amount

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

Loan terms

A loan from Spotcap begins as a line of credit. You draw down the funds you need, as and when you need them. These withdrawals become loans, usually repayable over 7 to 15 months.

Criteria to qualify

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

Interest rates

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

Our business loans reviewed

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 1.5% 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

£9,168

  • Amount
    £ 100,000
  • 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 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

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Sign up

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

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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.

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Get approval

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