Short-term business loans
up to £250k

Our business loans are backed by bank-level underwriting. This is why we don’t ask for personal guarantees or collateral.

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

Get Started

Find out how much you qualify for

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.

Password needs to contain at least:

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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.

Finance that fits your business needs

Up to £250k of finance

Pay interest only on what you use

Straightforward paperless application

Funds available within one working day

We’re trusted by thousands of businesses

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Excellent service - quick, simple and easy to understand.

Karen and Jason Kirk

Kirk & Kirk founders

Benefit from Spotcap's short-term lending

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

  • Manage your cash flow

    Protect your business from short-term cash flow challenges. A loan can give you financial stability if you need to make additional payments or cover unexpected costs.

  • Bridge receivables

    Keeping your finances healthy can get tough. This is especially true when you’re handling seasonal shifts or waiting on outstanding invoices. Relieve the pressure with short-term funding.

  • Refresh your inventory

    Preparing for a busy season or introducing a new product? A short-term loan can supply the working capital you need to restock your inventory and meet customer demand.

  • Renovate your location

    Delight your customers with an atmosphere that will make them want to visit again. With a short-term loan, you can refresh your premises or upgrade to an entirely new look.

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 a short-term 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.

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.

Frequently asked questions

Here's further information about finance from Spotcap

We're trusted by thousands of businesses

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.