If you want to read more about the FCA regulations and how this may impact your application, refer to our page on responsible lending.
Discover how businesses benefit with Spotcap
Judith de Ruijter
Founder, A Little Lovely Company
“A serious lender who understands entrepreneurs of this age. Thorough but fast analysis, transparent and great service.”
Ruud Metten
Founder, BsaB Europe
”The credit allowed us to grow and enhance our service quality. It works perfectly in tandem with other financing solutions.”
Navid Bahadori
Co-founder Broken Yellow
“What I liked about Spotcap was that they were willing to listen to our story”
* These are genuine reviews from Spotcap customers in the Netherlands and Australia.
We are FCA regulated
What does this mean?
We are serious about our security responsibilities
At Spotcap, we understand that data privacy is very important to you. Our systems are designed to offer bank-level security.
We protect with data encryption
While your data is being transmitted from your computer, it could be intercepted by someone. To help keep your data private, we use one of the strongest forms of encryption available to turn your data into protected code.
We regularly test our own security
The security of our website is regularly tested by independent security experts. Several times a year, they carry out a security review, using the latest methodologies, in an attempt to reveal any weaknesses. We respond promptly to their recommendations for security improvements.
We regularly test our own security
The security of our website is regularly tested by independent security experts. Several times a year, they carry out a security review, using the latest methodologies, in an attempt to reveal any weaknesses. We respond promptly to their recommendations for security improvements.
Your secure account setup
When you create a Spotcap account, we ask you for a username, a password and the answers to three security questions. Your password is encrypted, so no one at Spotcap knows what it is, and we’ll never ask you for it over the phone or by email. If you believe someone may have discovered your password or the answers to your security questions, please contact us immediately.
Please check out our Security page for more details.
We’re backed by years of experience
The Spotcap UK team is led by MD Niels Turfboer and Bruce Brenkus, who between them have many years of experience in banking and business finance, business lending, credit scoring and decision making.
Niels Turfboer
MD Niels Turfboer held senior posts at ABN AMRO, ING, he started his own business in the education sector, and was Head of Investor Development at MarketInvoice.
Bruce Brenkus
Bruce Brenkus had senior roles at Wells Fargo Bank and Better Finance (SmartBiz), has advised Experian and the Commonwealth Bank of Australia, and is a regular speaker at risk management events.
We’re getting noticed
Our business lending solution, with its combination of a unique credit assessment algorithm and an entirely online application process, is getting us noticed by the media.
"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."