Versatile alternative to a merchant cash advance
Retailers are moving on to more flexible forms of finance. Learn how your business can benefit from Spotcap’s unique approach to business finance.

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.
What is a merchant cash advance?
To release working capital, retailers and other businesses selling by credit card, make regular, small borrowings that are repaid by cash from future sales. This merchant cash advance can be a useful short-term funding solution.
An unsecured business loan from Spotcap offers similar flexibility to a merchant cash advance. It has the added benefit of not being tied to future income from retail sales.
A Spotcap loan arrangement allows you to draw down small amounts on a regular basis, as you would with a merchant cash advance. The advantages are that you’re not committed to drawing down a specific amount each time, and your repayments are not linked to your sales.

What is a merchant cash advance?
To release working capital, retailers and other businesses selling by credit card, make regular, small borrowings that are repaid by cash from future sales. This merchant cash advance can be a useful short-term funding solution.
An unsecured business loan from Spotcap offers similar flexibility to a merchant cash advance. It has the added benefit of not being tied to future income from retail sales.
A Spotcap loan arrangement allows you to draw down small amounts on a regular basis, as you would with a merchant cash advance. The advantages are that you’re not committed to drawing down a specific amount each time, and your repayments are not linked to your sales.

How can our finance replace a merchant cash advance?
Because it’s a form of credit typically linked to future sales income, a merchant cash advance is dependent on activity over which you have limited control - customer purchases. A Spotcap business loan removes this direct reliance on sales, giving you more control.
Applying for a loan from us is straightforward. The entire process is online, and comprises largely of uploading key financial reports. Once approved for a specific amount of credit, you have a commitment period in which you can choose to borrow as much or as little as you want, up to that limit.
Each borrowing becomes a business loan that’s typically repayable over 7 to 15 months. There’s no penalty should you choose to repay early. This means our loans are a versatile alternative to a merchant cash advance.
How could a Spotcap loan be your alternative to a merchant cash advance?
You can use the funds you borrow from us for a wide variety of purposes, such as:
Key facts about our merchant cash advance alternative
Take advantage of a different approach to business lending in the UK
Spotcap Loan repayment calculator
£9,340
Monthly Repayment
Monthly Repayment
£9,168
How to apply for your small business loan
Sign up
Applying for a business loan begins by you giving us basic personal and business information via our online forms.
Complete the application
Link your finance software or upload financial reports, along with bank statements, to complete the loan application.
Get approval
Once approved, you’ll have access to your business loan within one working day.