Rating based on 24 reviews


  • Business loans up to £350,000
  • Low-interest starting from 22.8%
  • Repayment up to 24 months

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Spotcap homepage
Author Spotcap. Screenshot of Spotcap website.
[Accessed April 26, 2020]

About Spotcap

At Spotcap we are driven by the mission to empower businesses with tailor-made finance. This allows them to focus on what matters – their business.

Our purpose is to help businesses live up to their mission by offering straightforward access to finance. Business leaders are driven, persistent, decisive and resilient. They work to make a better future happen and grow their business and we are there to assist on the financial front.

Our vision

At Spotcap we are committed to innovation and encourage progressive thinking and new ideas. The growth and development of our team are of the utmost importance for us, as they form an integral part of our business in assisting you with your financial need.

We act with respect and integrity and push for industry standards that are fair to our clients. We consistently strive to deliver quality assistance by focusing on our client’s needs.

A financial provider with an international footprint

In 2014 Spotcap was founded by Jens Woloszczak and its headquarters opened in Berlin. In the first year, we opened another office in Madrid and completed our first investment round of €13 million. Between 2015 and 2016 we opened offices in Sydney, Australia, and Amsterdam, Netherlands.

In 2017 we opened our office in London, UK. Since then we opened various other offices around the Globe. We have a team of experts who can offer you the best financial assistance for your business because of our international experience.

Spotcap Services

We use unique credit technology to form a deep understanding of the financial condition of a business when considering a loan application. With this process, we can make quick, sound decisions.

Our customers are provided with quality service because we understand their challenges and listen to our customer's stories. We take the time to build relationships. You will deal with real people. We offer a wealth of financial knowledge and experience.

Simple online application

The entire application process is online. We will ask you for basic information about your business as well as the owners. You provide this financial information by uploading financial accounts, VAT documents, accounts, and bank statements.

Details we will need on your application

When submitting your application, we will need the following information:

  • Basic personal information, your name, date of birth and contact information.
  • Your business information, including your business name and company number.
  • You will need to provide bank statements for 6 – 12 months. This should include the account name, account details, transactions as well as closing balance.
  • Financial information. VAT returns from the last year.
  • Full, annual financial statements. If annual accounts are older than 6 months we will need management accounts.
  • If invoice financing is used we will need an Aged debtor list.

Spotcap – Business loan

  • Loan Type Business loans
  • Interest Rate from 22.8%
  • Loan Amount up to £350,000
  • Repayment 1 month to 24 months

Benefits of Spotcap

  • Get an obligation free quote
  • No early repayment fees
  • Quick access to finance

Business loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This loan calculator is for illustration purposes only.
The use of this quick loans calculator is subject to our terms of use.

Spotcap has quick and convenient loan applications

For your ease, we offer our online application process with support from our experienced client service team. When you accept your credit line you do not pay anything until you decide to make a withdrawal.

There are no early repayment fees. We offer loans without personal guarantee as well as loans with a partial of full guarantee. We also accept corporate guarantee for group structures.   

Spotcap finance

Your application is completely free and you are under no obligation to accept any finance offered. We offer business loans of up to £350k. Once your application is approved you will have access to the fund within one working day.

You can access the funds through your online dashboard that will be available on our website. Our pricing is fair, transparent and very competitive. Interest is only charged on your outstanding balance and our rates start at 1% per month.

Use what you need when you need it

We believe a business loan should provide both funding and flexibility. Once your loan application for a loan has been approved, you have one month to make an initial withdrawal. You can choose to withdraw the full amount or part of the approved amount.

Depending on the needs of your business, you can continue to make withdrawals until your approved limit is reached. But you will only ever be charged for funds that you used. Because the financial needs of a business can change very quickly we offer you the flexibility of using what you need when you need it.

Finance for all your business needs

Spotcap offers a large variety of loans. Every business is different and there is no one size fits all solution when it comes to business finance. That is why we offer a personalized approach for businesses in different sectors. The following funding options are available:

  • Alternative business funding
  • A business line of credit
  • Working capital loans
  • Small business loans
  • Short-term loans
  • Unsecured business loans
  • Hotel finance
  • Retail finance
  • Restaurant finance
  • Professional service finance
  • Manufacturing loans
  • Dental practice finance

Customer Reviews & Testimonials

September 2019

Most professional business finance approach. Knowledgeable and friendly advisors.

T Cornwall
— Epworth —

August 2019

I was able to grow my business from a one-man show to opening 5 different stores, all thanks to your expert advice and financing.

— Prescot —

Spotcap Contact

Physical Address

  • Regal House, 14 James St, Covent Garden London WC2E 8BU United Kingdom
  • Get Directions

Opening Hours

  • Monday 09:00 – 18:00
  • Tuesday 09:00 – 18:00
  • Wednesday 09:00 – 18:00
  • Thursday 09:00 – 18:00
  • Friday 09:00 – 18:00
  • Saturday – Closed
  • Sunday – Closed