Small business loans of up to £150k for UK SMEs
Flexible, unsecured small business loans for firms with turnover above £250k. Borrow up to £150k repayable over up to 15 months.
Apply online
Don’t waste time with unnecessary forms and meetings.
For any purpose
Flexible, controllable funding, tailored to your specific needs.
Maximise ROI
Competitive rates and charges, with no hidden costs.
Peace of mind
Your application is processed promptly, rigorously and securely.
How to get a small business loan from Spotcap
We bring a new approach to small business loans. You apply online, where you’re guided through a straightforward process. Our unique proprietary credit assessment algorithm allows us to make a swift, considered response.
Once your loan is approved, you are free to draw down as much or as little funding as your business requires. If circumstances change and you don’t need to borrow, there’s no cost to you. You can choose to repay early with no penalties.
Business funding for UK SMEs typically means loans from £10k to £150k, for firms that qualify. This is usually repayable over 7 to 15 months, on terms competitive with traditional lenders.
How to get a small business loan from Spotcap
We bring a new approach to small business loans. You apply online, where you’re guided through a straightforward process. Our unique proprietary credit assessment algorithm allows us to make a swift, considered response.
Once your loan is approved, you are free to draw down as much or as little funding as your business requires. If circumstances change and you don’t need to borrow, there’s no cost to you. You can choose to repay early with no penalties.
Business funding for UK SMEs typically means loans from £10k to £150k, for firms that qualify. This is usually repayable over 7 to 15 months, on terms competitive with traditional lenders.
Is a small business loan from Spotcap right for me?
Save yourself valuable time, avoid the hassle of giving security and minimise the cost of borrowing. Our unique risk assessment and credit scoring system look at your current business performance, meaning we can offer unsecured loans to firms that qualify.
Whether you’re embarking on a business expansion project, or looking to address a cash flow shortfall, a small business loan from Spotcap could be the best funding solution choice.
A loan with us could be the answer if:
- You have a clear idea of the loan’s purpose.
- Repayment terms of up to 15 months are appropriate.
- You want the flexibility to repay early with no penalty.
Of all forms of funding help for small businesses, the traditional business loan remains one of the most popular.
How could your business benefit from a Spotcap small business loan?
Because it’s your business, you choose how to use the finance we make available through a small business loan from Spotcap
Because it is so versatile, a Spotcap loan is a flexible alternative to many other methods of business finance. The types of business funding that our loans can substitute for include:
Our business loans reviewed
Small business loans - what you need to know
A Spotcap line of credit is more versatile than other business loans you may have experienced. It’s repayable early, with no additional costs. You can also increase the amount you borrow by submitting new information about your recent business performance.
Small business loan repayment calculator
£9,340
Monthly Repayment
Monthly Repayment
£9,168
How to apply for your small business loan
Sign up
Applying for a business loan starts with entering basic personal and business information.
Complete the application
Link your accounting software or upload financial statements, along with bank statements, to complete the loan application.
Get approval
Once approved, you’ll have access to your business loan within one working day.