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

Our pricing

Competitive and transparent pricing. Learn more about our interest rates and fees.

Get an offer – no obligation

Applying for a loan from Spotcap is free of charge and without obligation. There are no fees until you decide to make a withdrawal from your dashboard. Below you will find a more detailed explanation. Click here to get your instant quote.

Monthly commitment

After making a withdrawal you will repay a fixed monthly amount. This includes the loan amount and the interest rate. Your repayments are made monthly basis via direct debit. See our calculator below for more details.

What is the interest rate based on?

The level of the monthly interest rate is mainly based on the creditworthiness of your company, plus the amount and duration of your credit. It is determined by our credit analysis on the basis of the performance and risk profile of your company.

Category Costs
Arrangement fee 3%
Nominal yearly interest 16.8% on average
Nominal monthly interest 1.4% on average
Early repayment No early repayment fees

Business loan calculator

Use our business loan calculator to find out how much your loan will cost


Monthly repayment




  • Amount
  • Duration
    9 months
Month Loan amount Interest Outstanding amount
For illustrative purposes only. The example shown above is based on 1.4% average monthly interest rate and 3% arrangement fee. The APR (annual percentage rate) is 22.80%, 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.