Spotcap Business Loans

Spotcap Business Loans logo
  • Compare Spotcap business finance products in the table below.
  • Get information on terms and amounts for the different commercial loan types that they offer.
  • Click the links provided to apply direct online.
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    • Nationwide Finance help 35,000 businesses get finance each year
    • Direct funder - not a broker
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    • Minimum Turnover
      No minimum
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    • Available Terms
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  • Funding Circle logo

    Funding Circle

    • Your business must have a minimum of 2 years’ trading history
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  • Puzzle Funding logo

    Puzzle Funding

    • Free service matches your business with over 100 lenders in seconds
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    • Minimum Turnover
      £100,000 p.a.
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  • Capify logo


    • Your business must have a minimum of 1 years trading history. No sole traders.
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  • Fleximize logo


    • Industry-leading flexibility - top-ups, repayment holidays, penalty-free early repayment, no set-up fees
    • Interest charged on reducing balance, not total loan amount - repay early and only pay for the time you had the loan
    • Apply online in five minutes, typically get a decision in 24 to 48 hours, receive funds the same day
    • Minimum Turnover
      £60,000 p.a.
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  • Swoop Funding logo

    Swoop Funding

    • Your business must have a minimum of 1 years' trading history
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  • Funding Xchange logo

    Funding Xchange

    • Access 70 lenders from one simple funding request
    • Easily compare the choices available, including RLS options
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      £100,000 p.a.
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  • iwoca logo


    • Flexible finance for small businesses from £1000 to £200,000
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  • Cubefunder logo


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    • Minimum Turnover
      £50,000 p.a.
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      £5,000 to £100,000
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Last updated on 14 December 2021.

Spotcap Business Loans FAQ

Who is Spotcap?

Spotcap is a provider of business loans in the form of credit line financing in the UK, Europe and Australia. It was founded in 2014 and is headquartered in Berlin, with local offices in Madrid, Amsterdam, Sydney and London.

How much can I borrow from Spotcap?

The amount you can borrow from Spotcap will depend on a number of factors, including your turnover and your business’s financial information, which will need to be shared with Spotcap at the time of application.

What services and products does Spotcap offer?

Spotcap offers a business loan arrangement involving flexible access to finance through a credit line. Once your application has been assessed, and if the line of credit is approved, the funds will be available for you to draw down as you please.

How does Spotcap assess applications?

Spotcap’s credit assessment process evaluates the current financial state of your business by looking at your application documents and your credit record, including any previous repayment history.

How long does a Spotcap credit line last?

The term of your credit line will depend on your individual circumstances and requirements. During the loan term, you can draw down as often as you like, up to your approved limit. This amount will then be repayable in monthly instalments and you will pay interest on the funds you borrow rather than the whole credit line amount.

What can I use my Spotcap finance for?

You can use Spotcap finance for a range of different business purposes including upgrading business equipment, running a marketing campaign, building your team, buying stock, hiring staff or cash flow finance.

How much does a Spotcap loan cost?

If you do not draw down any funds from your credit line you will not be required to pay anything. If you do draw down on the available credit line, some fees and interest payments may be due.

How do I apply for a Spotcap business loan?

To apply for a Spotcap business loan and line of credit, use the links above to navigate to the company’s website. You can then click on the relevant link to the online application form where you will be prompted to submit the necessary details. You can also call to speak to an advisor over the phone to learn more about Spotcap finance options.

What do I need to provide during the application?

Spotcap requests basic information about your business and the owners. Financial information is provided by uploading account records, bank statements and VAT documents. Spotcap will also perform its own credit check to determine your eligibility.

Services offered by this provider may change over time. Always check Ts&Cs.