We manage the financing,
so you can manage your business

Unsecured, without collateral

Free non-committal application

Decision within one working day

Rated 'Excellent' on TrustPilot

What we offer

A line of credit up to £150k that converts into a loan when you draw down

Flexible 1-15 month term

Fully unsecured – no guarantees needed

Quick 24 hours application turnaround

Dedicated client service

Pay less if you pay back early

Thousands of businesses chose a Spotcap business loan

Millions have been lent since 2014.

Popular reasons to set up a line of credit

Boost working capital

Recruit and train staff

Buy new stock and equipment

Refinance existing loans

Invest in marketing

What we look for

UK business

Minimum annual turnover of £250k

Trading for at least two years

Profitable business

Business loan calculator

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.

We've made it surprisingly simple

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Tell us about yourself and your business (15 minutes)

 Answer a few questions and provide some basic accounting and bank data.

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Sit tight while we review your application (24 hours)

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.

Frequently asked questions

Here's further information about Spotcap financing