Finance up to £250k for traders. Simple and straightforward.
Importing and exporting isn’t easy. That’s why we offer flexible financing that lets you focus on your business.
Unsecured, without collateral
Free non-committal application
Decision within 1 working day
No fees for repaying early
Get Started
Unsecured, no collateral
Non-committal application
Decision within one working day
No early repayment fees
What we offer
Spotcap offers an alternative to traditional trade finance
Business loans up to £250k
Flexible 1-15 month terms
Fast 24 hour application turnaround
Only pay interest on what you use
Expand your reach with the right finance
Minimise cashflow gaps
Meet unpredictable demand
Make large trade purchases and negotiate better terms
Capitalise on opportunities in both domestic and international markets
How does a loan from Spotcap compare with traditional trade finance?
A trade finance arrangement is focused on ensuring that your business has access to working capital when you’re importing or exporting. A Spotcap loan delivers the same outcome, giving flexible access to finance as you need it.
The difference between a Spotcap loan and other forms of trade finance is that we do not ask for any security or a guarantee. Our approach to assessing a firm’s financial health makes it possible for us to offer unsecured loans.
Because the loan is unsecured, it offers a genuine alternative to businesses looking for trade finance. The Spotcap loan solution has been designed to meet the needs of established businesses looking for continued success in the UK.
How to apply for a Spotcap loan to finance your trading activities
Tell us about yourself and your business
Answer a few questions and provide some basic accounting and bank data
Sit tight while we review your application
Our team of credit experts will review your application and we’ll be in touch with a decision
Accept your offer
Once approved, you have immediate access to your funds. Choose when to have the funds deposited to your account
Business loan 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.
Is my business eligible?
UK business
Annual turnover of +£250k
Trading for at least two years
Profitable business
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.
Trade finance benefits for UK businesses
Trade finance makes it easier to buy and sell across borders. It’s a set of finance tools developed over time to meet the needs of importers and exporters of both finished goods and raw materials. Letters of credit, bills of exchange and loans designed specifically for international trade are all elements of trade finance. What they have in common is that they all ensure that businesses have the right funds, at the right time.
Since importers have to pay for goods before they are shipped, they require liquidity to pay the exporter's invoice, as well as security that the goods will arrive.
By providing a stream of working capital it enables businesses in both fields to manage their day-to-day running costs. Trade finance can allow an importer to buy stock in bulk up-front, and an exporter to buy more inventory to sell. More working capital and a well-managed cash flow aids the growth of a business, allowing it to fulfil larger transactions that normally wouldn’t be possible. This can, in turn, potentially increase profit margins.
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.