Restaurant financing up to £250k

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

Suitable for well-established businesses

Dedicated team of underwriting experts

Decision in one working day

No early repayment fees

Suited to well-established businesses

Dedicated team of underwriting experts

Decision in one working day

No early repayment fees

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completed

If you would like to continue, please fill in your e-mail address and enter a password. Completing the application could take as little as 15 minutes and you will receive a decision within one working day. An application is non-committal.

Funding options available to restaurateurs

There are three forms of finance available for restaurateurs: equipment loans, working capital loans, and inventory financing. Equipment loans help with building the infrastructure of a restaurant, or upgrading existing equipment.

Inventory finance is an arrangement in which the borrower uses their inventory as security. Better suited to shorter terms, working capital solutions are used as cash injections to cover the daily flow of business.

How would a Spotcap loan work for your business?

Running a successful restaurant isn’t an easy game. Operating in both a highly regulated and competitive industry, restaurateurs often face high maintenance costs as well as marketing and branding challenges.

A flexible loan from Spotcap can help you deal with the financial pressure. Our short-term funding solution can cover leasing costs, insurance, licensing fees, new kitchen equipment or inventory, as well as boost working capital.

Restaurant financing tailored to you

Up to £250k of funding

Pay interest only on what you use

Straightforward paperless application

Funds available within one working day

Payment calculator

  • Amount
    £ 100,000
  • Time
    12 months

£9,168

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.

We’re trusted by thousands of businesses

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Excellent service - quick, simple and easy to understand.

Reasons to apply for short-term funding

It’s your restaurant, so you choose how to use the funds. Our loans suit many purposes.

  • Purchase new kitchen equipment

    Great service isn’t just about the gear you have, but it can certainly come in handy. A Spotcap loan can help you make those necessary upgrades and boost your productivity to a new level.

  • Boost your working capital

    Suppliers, inventory, maintenance — the costs always add up. With extra working capital, you can strengthen your cash flow reserves, or work on growing your business without putting your financial health at risk.

  • Invest in your premises

    The right ambience can give you the competitive edge that draws in more customers. With external financing, you can work on renovations without having to cut back on other expenses.

  • Prepare for seasonality

    Each year comes with its highs and lows. Whether you need to bridge receivables in a slower period, or order more stock to accommodate a spike in customers, a Spotcap loan can help you adjust.

The successful applicant checklist

What we look for in applications

UK business operating longer than 5 years (min. 3 years)

Annual turnover of £1 million (min. £500k)

Well-established, profitable business

Consistent revenue over the last 6 months

How to apply for your business loan

An online application can be completed in as little as 15 minutes

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Tell us about your business

Answer a few questions and provide some financial information about your business.
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We review your application

Our team of credit experts will review your application and we’ll be in touch with a decision within one working day.
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Accept your offer

Once your application is approved, your funds will be available within one working day.

We're here to help

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Learn more about the product

Email us
Spotcap Client Services

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Get help with your application

Call Liam
Sales Support Manager

How to apply

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Tell us about your business

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Receive a decision within one working day

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Accept your offer and receive your funds

The successful applicant checklist

UK business operating longer than 5 years (min. 3 years)

Annual turnover of £1 million (min. £500k)

Well-established, profitable business

Consistent revenue over the last 6 months

Business loan calculator

Monthly Repayment

  • Amount
    £
  • Time
    12 months
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.
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