Flexible finance for your business

Access a loan solution of up to £150k, ideal for a wide variety of business needs

Business finance from Spotcap

Get finance of up to £150k

Spotcap provides flexible, unsecured business loans of up to £150,000 for SMEs. Borrowing from us allows you to invest in the future of your business.
To qualify for a loan, your business must have been trading in the UK for at least 24 months, with an annual turnover of at least £250k.

Only borrow what you need

You only pay for what you borrow. Once approved, you can draw down funds as you require them, for up to three months. Repayments are made monthly and can be spread over 7 to 15 months. If you borrow nothing, you pay nothing.

Get a quick decision

Apply online and once you’ve submitted your application, a loan could be approved within one business day. Our unique combination of sophisticated algorithms and specialist assessment cuts down the waiting time for approval.

No security required

Our expert team of underwriters use our proprietary credit assessment process to evaluate the financial condition of your business. Our thorough, rigorous approach analyses data from the key financial documents you share with us, allowing us to offer unsecured loans to qualifying businesses.

Business loan calculator

Use our business loan calculator to find out how much your loan will cost

  • Amount
    £ 100,000
  • Time
    12 months

£9,340

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 , 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.

Monthly Repayment

£13,752

  • Amount
    £ 150,000
  • 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 , 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.

Spotcap gives you flexibility and versatility

You choose how to use your loan from us

"Spotcap’s business is based around new technology to help meet small business needs more efficiently than traditional lenders (...)"

“Spotcap lends to small and medium-sized companies, offering applicants a loan decision minutes after an algorithm rates their creditworthiness.”

"The company uses an innovative credit scoring technology that directly evaluates real-life business data to provide fast and flexible financing."