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

Spotcap responsible lending statement

Our commitment

We are committed to lending in a responsible way. Treating customers fairly and responsible lending are at the heart of our business. This means we offer products that are suitable to you, understand your business and needs, ensure the way we do business with you is transparent and always help you to make informed choices.

What we will do

What you can expect from Spotcap as a responsible lender:


  • Our products and lending criteria are designed to meet the needs of your business.
  • Fairly priced products which we promote in a balanced way showing the risks as well as the benefits.
  • Clear information on the cost of your borrowing, including all fees and charges and our terms and conditions.
  • An assessment of your ability to make regular payments and repay the loan is performed using innovative and proven credit assessment techniques.
  • Your credit line amount will be limited to an amount that we believe will ensure you don’t overstretch your finances and which will allow for some increase in expenditure.
  • Your personal data will be kept secure and treated confidentially.
  • Any queries or complaints you may have will be handled swiftly.
  • All payment issues and arrears will be treated with respect and consideration.
  • We look at many pieces of information and use a variety of techniques to help us make the right decision. This information may include Credit Scoring, Credit Reference Agency data and your history with us. Please refer to our Privacy Policy for more information about data we collect.
  • If we offer to lend you money we will always provide clear information to help you make an informed decision. If you have financial problems, formal proceedings will be a last resort, only after we have exhausted all other attempts to reach an agreement with you.