Trade finance up to £250k. 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

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.

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Unsecured, no collateral

Non-committal application

Decision within one working day

No early repayment fees

What we offer

Spotcap offers trade finance for UK businesses

Business loans up to £250k

Flexible 1-15 month terms

Fast 24 hour application turnaround

Only pay interest on what you use

We’re trusted by thousands of businesses

Hear what our customers have to say about us:

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 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's loan to finance your trade

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Tell us about yourself and your business

Answer a few questions and provide some basic accounting and bank data
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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
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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
  • Time
    12 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
    £
  • Time
    12 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.

Frequently asked questions

Here's further information about Spotcap financing

How to apply for a loan from Spotcap

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Tell us about yourself and your business

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Receive your decision within one working day

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Accept your offer and receive your funds

Qualification criteria

UK business

Annual turnover of +£250k

Trading for at least two years

Profitable business

Business loan calculator

Monthly Repayment

  • Amount
    £
  • Time
    12 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.