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

A better take on business loans

Our business loans are backed by bank-level underwriting


Decision in one working day

Dedicated team of underwriting experts

Competitively priced

No early repayment fees

Get started

Please note: Due to the Coronavirus outbreak, Spotcap is currently not assessing new loan applications in the UK.

Spotcap’s current clients are still able to log into their dashboard as usual.

For further information and how to contact us click here.

Straightforward finance that fits your needs


Business loans up to £350k

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

Apply for an unsecured business loan from Spotcap

You want to focus on your business. We understand. That’s why our application is surprisingly simple.

Short term loan application process

Tell us about yourself and your business


Receive your decision within one working day


Accept your offer and receive funds

Business loan calculator


Monthly repayment




  • Amount
  • Duration
    9 months
MonthLoan amountInterestOutstanding 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.

Excellent service - quick, simple and easy to understand.

Karen and Jason Kirk

Kirk & Kirk founders