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

Finance up to £350k for restaurateurs

Spotcap's flexible funding can help take some of the stress off your plate

Unsecured, no collateral

Non-committal application

Fast decision within one working day

No early repayment fees

Back your passion

Premises, food, equipment and inventory are significant upfront costs for restaurateurs. A loan from Spotcap can help

SMEs are eligible for up to £350k of finance

Interest is only charged on what you use

Fast online application

Loans can be repaid over flexible periods

We’re trusted by thousands of businesses

Don’t just take our word for it. Hear what our customers have to say about us:

Finance tailored to restaurateurs

Purchase new kitchen equipment

Invest in energy-saving appliances

Refresh your food inventory

Boost working capital

Why Spotcap suits restaurant owners

Running a successful restaurant isn’t an easy game. Operating in a both highly regulated and competitive industry, restaurateurs often face high startup costs (estimated in the hundreds of thousands of pounds), as well as marketing and branding challenges.

A loan from Spotcap can help smooth a restaurateur’s journey. Fully unsecured and quickly available, our funds can help you cover leasing costs, insurance, licensing fees, kitchen equipment and inventory, as well as boost your working capital.

Do I qualify for a business loan from Spotcap?

UK business

Annual turnover of at least £500k

Trading for at least three years

Profitable business

Apply in minutes. Qualify in no time.


Tell us about yourself and your business

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

Sit tight while we review your application

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

Accept your offer

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

Clear, transparent pricing


Monthly repayment




  • Amount
  • Duration
    9 months
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.

What types of finance are available to the restaurant industry?

Generally speaking, three forms of finance are popular with restaurateurs: equipment loans, working capital loans and inventory financing. Equipment loans are built to help create the infrastructure of a restaurant, or to upgrade existing equipment. These loans may cover up to 100% of the equipment’s cost. Due to the size of the loan, equipment financing tends to be a longer term arrangement. A lender may also ask to take existing equipment or assets to secure the loan.

Inventory finance is an arrangement in which the borrower uses their inventory as collateral. The borrower can use the funds to purchase more inventory and stock, therefore meeting demand and driving sales. The lender uses the newly purchased inventory as collateral.

The use-cases of working capital loans are less specific. Usually shorter term solutions, working capital solutions are used cash injections to keep the daily mechanics of the restaurant in motion.

Frequently asked questions

Here's further information about finance from Spotcap