Fast, flexible business loans

Spotcap offers short-term funding allowing you to focus on what matters – growing your business

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Find out how much funding you qualify for

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Flexible and accessible loans

Have you been trading for at least three years with an annual turnover of over £500k?
You could qualify for a business loan of up to £250k, repayable between 16 to 24 months.

Apply online and get a decision within 24 hours

Competitive pricing with no hidden fees

Immediate access to your funds once approved

Regulated by the Financial Conduct Authority

  • Amount
    £ 100,000
  • Time
    12 months


Monthly Repayment

For illustrative purposes only. The example shown above is based on 1.4% average monthly interest rate and 2.0% arrangement fee. The APR (annual percentage rate) is 24.2%, 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.

In the media

Hear what the media has to say about Spotcap

"Spotcap’s business is based around new technology to help meet small business needs more efficiently than traditional lenders (...)"

"Spotcap lends to small and medium-sized companies, offering applicants a loan decision minutes after an algorithm rates their creditworthiness."

"The company uses an innovative credit scoring technology that directly evaluates real-life business data to provide fast and flexible financing."