Spotcap creates opportunities for SMEs

Our unique approach to business lending is making a difference in the UK and globally

Our Mission

We empower SMEs with tailored finance, allowing them to focus on what really matters – their business. We are fuelled by a fundamental belief that easy access to financing products is beneficial to business owners.

Today business owners want a quicker, more versatile approach to borrowing. We provide fully unsecured business loans and use technology to make the lending process straightforward and swift. We base our decision on recent business performance rather than business plans and forecasts. This allows us to offer loans without the need for businesses owners to give personal guarantees and take on unnecessary risk.

The Spotcap loan has given thousands of business owners the confidence, security and freedom to achieve the vision for their business. It is available in five markets globally.

Spotcap at a glance

Spotcap is born

2014 in Berlin

Spotcap operates in

United Kingdom, Spain, The Netherlands, Australia & New Zealand

Spotcap has raised

EUR 78 Million

Spotcap employs

More than 110 employees


Press coverage

"Spotcap, the Rocket Internet-founded fintech startup that operates an online lending platform for small businesses, has beefed up its coffers with €31.5 million in new funding."

"Spotcap, an online lending platform for small businesses, said the number of applicants from Britain had doubled to around 20 percent since the Brexit vote, with many coming from the finance sector."

"Spotcap focuses on small- and mid-sized enterprises. Those businesses often have limited access to credit as they pose more risk to banks and don’t have the track record to prove their ability to repay the funds."

Spotcap at events

Catch us on the event circuit

Practice 2017

16/17 November 2017
St Paul's, 200 Aldersgate Street

Alternative and Receivables Finance Forum

16 November 2017
Meyer Brown, 201 Bishopsgate

The Business Show

16/17 November 2017
Olympia London, Hammersmith, Kensington

The Finance Professional Show

8 November 2017
Olympia London, Hammersmith, Kensington