Partner With Spotcap

We partner with hundreds of introducers including commercial finance brokers, financial advisors, corporate partners and accountants

Our product at a glance

Unsecured business loans up to £350k

No personal guarantee

Partial personal guarantee

Full personal guarantee

Corporate guarantee

“Spotcap is really on the ball-extremely responsive and helpful”

Leanne Barry

Commercial Finance Broker

How it works


Register as a partner

This only takes a few seconds. Just leave your details on our form below and we’ll be in touch shortly.

Submit an application in minutes

Once you get access to your partner portal dashboard, you can apply on behalf of your client or refer your client.

We assess your application

After you submit your client’s application, you will receive a credit decision within one working day.

Receive an offer for your client

Your client accepts the offer and can access the funds.

Is your client's business eligible?

Business registered in the UK

Operating for at least 3 years

Minimum turnover of £500k

Minimal short-term debt on most recent balance sheet

Well-managed bank account

Profitable and growing business

Benefits of working with us

Outstanding service

Quick decision making

Competitive pricing

Fast and simple application process

Dedicated partnership manager

Partner With Spotcap

Please leave us your details and we'll be in touch very soon

Get in touch with the team to find out more at or call us on 0203 308 9188.

Learn more about sourcing funding for your clients

Frequently asked questions

  • What makes Spotcap different from other lenders?

    We provide finance to businesses that traditionally would have gone to their bank for a loan. Today these firms want a quicker, more versatile approach to borrowing, which we provide through an online application and a fast yet robust approach to credit analysis and loan approval. Our rigorous solution gives us the confidence to offer unsecured loans.
  • 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 quickly can a business access its business 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 all loan applications for my clients?

    As a partner, you are given access to our proprietary Partner Dashboard. From here you can apply on behalf of your clients and monitor the application progress. However, you can also direct your clients to apply online for themselves.
  • Who can I speak to if I have more questions?

    Our Customer Service team wants to help you. Give them a call on 020 330 89 188, or email The team is available every business day between 9:00am and 6:00pm.