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

What do we offer?


Business loans from £50k - £350k

Credit decision within one working day once application is submitted.

Unsecured offering

Loans offered with no personal guarantee (PG), partial or full PG, and corporate guarantee.

Up to 24 month loan term

Pay us back monthly – there are no early repayment fees after one month.

NACFB & Spotcap

Spotcap has been a patron of the NACFB since 2016. We regularly attend their events and continuously interact with their members. We are proud to have established strong relationships with NACFB commercial finance brokers, helping them to source the right finance for their clients.

Partner with Spotcap

Please note that – due to the Coronavirus outbreak – Spotcap is currently not assessing new loan applications in the UK and therefore not onboarding new partners at present.

For further information and how to contact us click here.

Become a partner in three simple steps


Register through the form

Register using the above form and one of our partnership managers will be in touch to tell you more about our product and how we can work together.

Submit applications online

With your personal Spotcap Partner Portal, you can easily submit applications for your client or invite them to fill in their own application.

Speak to your partnership manager

As a Spotcap partner, you have a permanent contact person who will always be available to provide guidance and assistance throughout the application process.

What brokers say about Spotcap

Read more partner stories


“Spotcap are fantastic to work with. Our clients' loan requests are always handled in a professional manner with excellent response times. Their documentation is easy for the client to action and they just make the whole process seem effortless. We look forward to further developing our business relationship with them during 2020, exciting opportunities lie ahead.”

Andrew Wise, Managing Director, Thames Valley Asset Finance

Does my client qualify?


UK business operating for more than 3 years


Minimum annual turnover of £500k


Profitable and growing business


Well-managed bank account

Connect with our Partnership Managers

Visit our partner blog

Frequently asked questions

  • What makes Spotcap different from other lenders?

    At Spotcap, we provide unsecured business loans for a duration of up to 24 months. Compared to other lenders, we offer loans without a personal guarantee as well as with a full or partial personal guarantee. For group structures we will also accept a corporate guarantee. Our customer service is second to none and we will provide a credit decision within one working day once the loan application is completed.

  • How much can a business borrow?

    The amount a business can borrow is based on their turnover, our assessment of their financial condition and how much they request. Our unsecured lines of credit and business loans start at £50k and can go up to £350k.

  • Does a loan need to be linked to a specific business purpose?

    We understand that firms need access to working capital for many different reasons, and that commercial circumstances can sometimes change quickly. Once a business loan is approved, it’s the choice of the business how it makes use of those funds.

  • How fast can a business draw down the loan?

    Because the application process is online, and much of it involves only uploading financial reports, an application can be completed in around fifteen minutes. If approved, notification is given within one working day, from which point the funds are available to draw down.

  • Do I have to complete every application for my client?

    As a partner, you are given access to our proprietary Partner Portal. From here you can apply on behalf of your clients and monitor the application progress. However, you can also refer your clients and they can apply themselves.

  • Who can I speak to if I have more questions?

    Our team is always happy to help. Give them a call on 020 330 89 188, or email clientservice@spotcap.co.uk. We are available Monday to Friday from 9am to 6 pm.

Want to know more?

Contact us on 0203 308 9188 or download our Partner Brochure.