Spotcap UK
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Spotcap is an innovative online lender for small and medium-sized businesses. We deliver fast, fair and flexible loans to our customers from our own balance-sheet, so that they can focus on what matters most –– running their business. We use a proprietary risk analysis algorithm to assesses the applicant’s business, allowing us to focus on providing outstanding service. We can provide your small business with an unsecured loan, meaning you don't have to risk your personal property as a guarantee. You can use our lines of credit to help manage your cash flow, bridge financing gaps and expand your business.
We base our decision on recent business performance rather than business plans and forecasts. This enables us to make quick and sound decisions. We offer versatile business loans of up to £350,000 tailored to your financial needs.
Reviews 130
Pedro
Aug 03,2019We have only just drawn down the facility, so I can only really comment on the process up to this point. Very efficient service, our sales person Nasima was incredibly helpful on the phone. Simple and straight answers to all my quetions, which were backed up when we checked the wording on the pretty short and simple to read contract and were glad not find any unpleasant suprises. The key feature was being able to get a loan with no personal guarantee, which is not widely available. They are a higher price for this reason, over 2x the cost of funding circle for example, but you can't really compare as without a PG it's a completely different type of credit. Hopefully they continue to be this straighforward and fair with us for the rest of the time we're working together, if so I will be a very happy customer.
Liam
Aug 02,2019Great service, I used the Speedy Quick service. The advisors were really helpful they got everything sorted asap. Would recommend this service to anyone.
Alex Kourti
Aug 01,2019Brilliant lender! No PG needed - you don't get that these days
Leanne Barry
Aug 01,2019I have introduced clients to Spotcap now for 4 years and cannot speak highly enough of their services. Their rates are extremely competitive and they are able to make decisions sometimes within just a few hours! The staff are extremely helpful ad literally cannot do enough to help both brokers and clients.
Jonpaul Lawrence
Aug 01,2019Excellent communication and a great service. The perfect solution to the funding requirements of a rapidly growing business. I'd definitely recommend.
Nick Mayhew
Jul 16,2019As the owner of a finance brokerage, it’s important that I get quick responses from my lenders so I can spend more time advising my clients and less time chasing lenders. Spotcap have been quick to turnaround loan applications (whether positive or negative) every time. Where they have offered a loan to my client, it has been quick and simple.
Kirsty Summerville
Jul 09,2019Very clear and simple process. Once approved the online system enables authorization of documents and so is very quick. Online system is very easy to use and you are assigned a support manager who talks you through the agreement and online system. Very good service.
Derek Hart
Jun 07,2019Can't fault this company. Attentive service and quick decisions. Superb communication throughout the process. Well Done!
dirk forsyth
May 30,2019Great service.Had someone communicate with me throughout the process
100004155194142
Apr 30,2019Spotcap provided a great service from start to finish.
AK
Apr 18,2019Brilliant product and a very helpful team. In particular Luke Bowmar who is extremely professional, helpful and maintains regular communication on progress. Couldn't ask for a better accounts manager!
C G Pryce
Apr 17,2019Very efficient and helpful, straight forward process
Calvin Dexter
Apr 12,2019I have had good experiences with the Spotcap team especially Luke and Liam. I find Spotcap to be commercial and attentive and are keen to write business. I look forward to doing more business together.
S Cook
Apr 12,2019Excellent product. SpotCap has a unique position in the unsecured loan market place. We have been waiting for a product like this as it fits many of our clients bespoke requirements. Luke, Nasima and the Team are professional and a pleasure to work with.
VANESSA JANE
Mar 25,2019Excellent client service Liam - thank you
Charles Groves
Mar 11,2019Excellent service from Darwin and his team! Fast, efficient and they ask all the relevant questions needed early on to get an approval within a day or two. I would highly recommend using Spotcap if you need finance for your customers quick with no security at all.
Chris Green
Jan 18,2019As a national broker we deal with many lenders. Spotcap UK is up there with the best. Darwin and his team are very easy to deal with and our clients love the fact no Personal Guarantees are required and the simplicity of the portal to access their funds.
Allan Caldwell
Jan 15,2019Very straight forward and efficient process with Spotcap, delivering exactly what it promised. Probably the smoothest Fund Raising process I have been involved in during that last two decades.
Geoff Freestone
Dec 28,2018Good response time - well organised web portal - easy to understand deals Massive benefit for those SM|E owners who cannot engage with PG based lending - i.e.any of the main UK banks Only negative was the amount of info needed in a specific format
Regal House, 14 James Street, London, WC2E 8BU, London, GB
https://www.spotcap.co.uk
Neil Mason
Aug 05,2019Excellent customer service from initial enquiry all the way through to post account set up. Back office visibility and layouts excellent also.