Partner With Spotcap

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

Why work with Spotcap?

Introduce your clients to fast and flexible funding

Unsecured credit lines up to £300k

Decisions in one working day

High quality service

No guarantees required

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

Leanne Barry

Executive Finance Broker at

How it works


Register as a partner

Signing up takes less than 5 minutes and gives you access to a personal dashboard where you can submit and track applications.

Submit an application in minutes

Apply online on behalf of your client or refer your client to complete the application in as little as 15 minutes.

We assess the application

We usually make a decision within 24 hours. We will let you know as soon as possible if we need additional information.

Receive an offer for your client

We’ll send you a proposal via email including origination fee and monthly interest rate.

Your client accepts

Your client can choose when to draw down. The credit line then converts into a term loan with funds immediately available.

Business Loan Calculator

We offer fully unsecured business loans up to £300k for your clients

  • Amount
    £ 150,000
  • Time
    12 months


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.

Our Criteria

Based in the UK

Trading for at least 24 months

No bankruptcies or CCJs

Annual turnover of at least £250k

Profitable, growing business

Straight-forward unsecured business finance

Fully unsecured with no guarantees needed

Suitable for businesses in all sectors

Perfect for co-financing and transactional funding

Fast and simple application process

Dedicated account 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 020 3440 4615.

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 £10k and can go up to £300k.
  • 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.