Business loans for retailers up to £250k

Retail businesses need to keep up with seasonal demand and changing trends. Put our loans to work.

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

Credit 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.

Short-term funding to boost your retail business

Whether you sell online, in the high street, or through a mix of channels, customer expectations don’t stand still. Retail businesses need to keep up with seasonal demand and changing trends. This could mean purchasing additional stock, refurbishing premises and investing in point of sale technology.

A short-term business loan can help. Spotcap’s transparent approach makes funding straightforward for retailers, matching their business needs.

How does a Spotcap loan work?

A Spotcap loan offers a flexible and straightforward solution. We use innovative technology and expert underwriters to make a swift decision based on recent business performance.

Once your application is approved, you’re given access to a line of credit. It’s up to you if you would like to withdraw funds within your one-month commitment period. Each withdrawal becomes a loan that’s repayable between 1-24 months.

Retail finance that fits your needs

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 financing

It's your business, so you can choose how to use the funds. Our loans suit many purposes.

  • Cover your inventory orders

    Keep your big sellers in stock or bring the newest products to your customers. With a Spotcap credit line, you can make adjustments quickly.

  • Invest in new technology

    Payment systems and store management tools are changing fast. Having funds available to keep up improves how you process payments, manage stock and keep track of your sales activity.

  • Cover unexpected costs

    A Spotcap flexible credit line gives you access to funds you can withdraw to take care of the unexpected, such as late payments or a larger order.

  • Fund your merchandising

    Having the right selection for your shelves is essential for success. With extra financing, you would be free to select the highest quality items that are most in demand.

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

Liam

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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