Working capital loans up to £250k

Give your business the working capital it needs to scale up. Learn how Spotcap’s flexible approach can help.

Suitable for well-established businesses

Dedicated team of underwriting experts

Decision in one working day

No early repayment fees

Suited to well-established businesses

Dedicated team of underwriting experts

Decision in one working day

No early repayment fees

Get Started

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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.

What makes a good working capital loan?

A working capital loan needs to be flexible, because the cash available in your business can easily fluctuate over a short period of time. Ideally, it shouldn’t generate borrowing costs unnecessarily, but it should be a dependable source of cash.

What’s more, a working capital loan is better suited to short-term financial needs, which usually have to be addressed quickly. A traditional loan would rarely match that requirement, but a credit line can be set up quickly without incurring additional costs or fees.

How can a Spotcap credit line boost your working capital?

A line of credit is a type of working capital solution. Its model allows for businesses to have easy access to an obligation-free business loan within one working day. It can be used as a short-term solution to cover unexpected expenses, or to help a business manage their cash flow.

In short, with a credit line you can respond to opportunities or unpleasant surprises quickly. This is especially helpful when you have to bridge receivables, either because of delayed payments or slower periods of business.

Find financing that fits your needs

Up to £250k of funding

Pay interest only on what you use

Straightforward paperless application

Funds available within one working day

Payment calculator

  • 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.

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Excellent service - quick, simple and easy to understand.

Benefit from Spotcap's working capital loans

It’s your business, so you choose how to use the funds. Our finance suits many purposes.

  • Manage your cash flow

    Protect your business from short-term cash flow challenges. A loan can give you financial security if you need to make additional payments or cover unexpected costs.

  • Bridge receivables

    Keeping your finances healthy can be stressful. This is especially true when you’re handling seasonal shifts or waiting on outstanding invoices. Relieve the pressure with working capital funding.

  • Purchase new inventory

    Preparing for a busy season or introducing a new product? A working capital loan can provide the solution you need to restock your inventory and meet customer demand.

  • Refurbish your premises

    Delight your customers with an atmosphere that will make them want to visit again. With extra financing, you can renovate your location and upgrade to an entirely fresh look.

The successful applicant checklist

What we look for in applications

UK business operating longer than 5 years (min. 3 years)

Annual turnover of £1 million (min. £500k)

Well-established, profitable business

Consistent revenue over the last 6 months

How to apply for a working capital loan

An online application can be completed in as little as 15 minutes

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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 your application is approved, your funds will be available within one working day.

We're here to help

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Learn more about the product

Email us
Spotcap Client Services

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Get help with your application

Call Liam
Sales Support Manager

How to apply

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Tell us about your business

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Receive a decision within one working day

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Accept your offer and receive your funds

The successful applicant checklist

UK business operating longer than 5 years (min. 3 years)

Annual turnover of £1 million (min. £500k)

Well-established, profitable business

Consistent revenue over the last 6 months

Business loan calculator

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.
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