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

Expand your business with our flexible, unsecured loans

Get a decision in 24 hours and get back to running your business

Stay in control of your costs with no fees for early repayments

Simple online application with no need for business plans or forecasts

Unsecured, no assets or personal guarantees needed

What we offer

Business loans up to £350k

Flexible 1-24 month terms

Fast 24 hour application turnaround

Only pay interest on what you use

How it works

1. Tell us about yourself and your business (5 minutes)

Answer a few questions and provide some basic accounting and bank data.

2. Sit tight while we review your application (24 hours)

Our team of credit experts will review your application and we’ll be in touch with a decision.

3. Accept your offer

Once approved, you have immediate access to your funds. Choose when to have the funds deposited to your account.

We’re trusted by thousands of businesses

We're here to help


Learn more about the product

Email us Spotcap Client Services


Get help with your application

Call Liam Sales Support Manager