Discover a better take on business lending

You are an established business owner. Dynamic, flexible and fast — always looking for ways to improve. You’ve come to expect the unexpected, and you know that sometimes you need access to additional funds. How can we help?

Straightforward finance that fits your needs

Business loans up to £250k

We use a simple online application to let you know how much finance you can access

1-24 months term

Designed to suit your needs, a Spotcap business loan is flexible with no early repayment fees

Decision in one working day

Once approved for a business loan, it only takes one working day to get access to the funds

Excellent service - quick, simple and easy to understand.

Karen and Jason Kirk

Kirk & Kirk founders

Watch Karen's & Jason's Story

Our business loans suit many purposes

Boost working capital

Purchase inventory

Buy equipment

Is my business eligible?

See if you’re eligible for a loan in 30 seconds. This quick check won’t affect your credit score.

Am I eligible?

Find out how much you qualify for

Company type

Company operating period

Purpose of business loan

Estimated average yearly revenue

Requested amount

If you would like to continue, please fill in your e-mail address and enter a password. Completing the application could take as little as 15 minutes and you will receive a decision within one working day. An application is non-committal.

Your name

Phone number (optional)

E-mail address

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8 characters 1 digit 1 special character