Karen and Jason Kirk
Kirk & Kirk founders
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
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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.
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
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. 2 years)
Annual turnover of £1 million (min. £250k)
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
Tell us about your business
Answer a few questions and provide some financial information about your business.
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.
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.
Payment calculator
- Amount£ 100,000
- Time12 months
£9,168
Monthly Repayment
For illustrative purposes only. The example shown above is based on 1.5% 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
How to apply
Tell us about your business
Receive a decision within one working day
Accept your offer and receive your funds
The successful applicant checklist
UK business operating longer than 5 years (min. 2 years)
Annual turnover of £1 million (min. £250k)
Well-established, profitable business
Consistent revenue over the last 6 months
Business loan calculator
Monthly Repayment
- Amount£
- Time12 months
For illustrative purposes only. The example shown above is based on 1.5% 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.