133 reviews

Representative 22.8% APR

Will lend between: £50,000 - £350,000

Over: 1 - 24 Months

Representative example: If you borrow £100,000 over 12 months at a Representative rate of 22.8% APR and a monthly interest rate of 1.4% (fixed), you would pay 12 monthly installments of £9,111.00. The total charge for credit will be £9,332.00 and the total amount payable will be £109,332.00. This is a fully unsecured facility with no Personal or Directors Guarantee required for our Business Loans.

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Spotcap customer reviews.

133 reviews

5.0 out of 5 stars


  • Decision in one working day
  • Start to pay when you choose to draw down funds from your credit line
  • Dedicated client service
  • Simple application process and no Business Plan required
  • No Personal or Director Guarantee required
  • Borrower does not need to be a Homeowner

Minimum criteria

  • Company based in the UK
  • Minimum annual turnover of £500,000
  • Operating profitably of 24 months
  • Consistent revenue for past 6 months
  • Minimum trading history of 3 years


  • Maximum APR 22.8%
  • Arrangement fee: £2
  • Early repayment fee: £0
  • Late payment fee: £0

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About Spotcap

Spotcap is an innovative online lender for small and medium-sized businesses. The company was founded in 2014 and provide fully unsecured business loans up to £350,000. They use technology to make the lending process straightforward and swift. Spotcap base their decision on recent business performance rather than business plans and forecasts. 

Customers only pay interest on what they borrow, plus a one-time arrangement fee, with no early repayment charges. If you qualify for a Spotcap line of credit, you pay nothing until you draw down funds and get a business loan. Should a change in circumstances mean that you no longer require the finance for which you have been approved, you can simply choose not to draw down any funds, and pay nothing.

Company information

Registration number: 09351116


4 Devonshire Street London

FCA registration

Reference No: 661094

Trading names: Spotcap UK Ltd, Spotcap Netherlands B.V,

Place of business: 4 Devonshire Street London W1W 5DT

Data protection registration

Registration No: ZA121915

Data controller: Spotcap UK Ltd

Address: 4 Devonshire Street London W1W 5DT

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