We make it easy for businesses like yours to access finance of up to $250k

What we offer

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

Flexible 12-month term

Fully unsecured – no guarantees needed

Quick 24 hours application turnaround

Dedicated client service

Pay less if you pay back early

Get started

Find out how much funding you qualify for

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.

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Spotcap in the media

Hear what the media has to say about Spotcap

"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."