Small business loans
up to £250k

Our business loans are backed by high-quality underwriting. This is why we don’t ask for a personal guarantee or any collateral.

Suited to well-established businesses

Strong team of underwriting experts

Decision in one working day

No early repayment fees

Suited to well-established, profitable businesses

Strong 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:

8 characters 1 digit 1 special character
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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.

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.

Find financing 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

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 small business loan

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

  • Boost your cash flow

    Be one step ahead and look after your cash flow performance. A small business loan can offer you financial support if you need to handle additional payments or oversee unexpected costs.

  • Bridge financing gaps

    Keeping your finances on track or tackling sudden business needs can get demanding. This might occur due to business expansion, seasonality shifts or delayed payments. Put your mind at ease with straightforward funding.

  • Purchase your inventory

    Making plans for a fast-moving season or launching a new product? A small business loan can offer the working capital you need to realign your inventory and meet customer expectations.

  • Buy new equipment

    Give your business the means to fulfil its vision. A Spotcap loan can help you acquire new equipment, invest in technology and make the most out of your business.

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 small 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, you can review and accept the offer. Your funds will be available in one or two working days.

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.