We manage the financing,
so you can manage your business

Straightforward process

FCA regulated

Decision in one working day

Rated 'Excellent' on TrustPilot

What we offer

A line of credit up to £250k that converts into a loan when you draw down

1-24 month term

Online application

Decision in one working day

Dedicated client service

No early repayment fees

Thousands of businesses chose a Spotcap business loan

Millions have been lent since 2014.

Popular reasons to set up a line of credit

Manage cash flow

Bridge receivables

Refresh your inventory

Invest in new equipment

What we look for

UK business

Minimum annual turnover of £500k

Trading for at least three years

Profitable business

Business loan calculator

Find out how much your loan will cost

  • Amount
    £ 100,000
  • Time
    12 months

£9,168

Monthly Repayment

For illustrative purposes only. The example shown above is based on 1.4% 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.

Monthly Repayment

  • Amount
    £
  • Time
    12 months
For illustrative purposes only. The example shown above is based on 1.4% 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.

We've made it surprisingly simple

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Tell us about your business

Answer a few questions and provide some financial information about your business.

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We review your application

Our team of credit experts will review your application and we’ll be in touch with a decision within one working day.
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Accept your offer

Once approved, you have immediate access to your funds.

Frequently asked questions

Here's further information about Spotcap financing