Spotcap UK

4.5 (130 Reviews)

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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

4.5

Out of 5.0

Simon Clark

Nov 30,2018

We considered a number of solutions to provide working capital funding for our considerable growth plans - and were introduced to Spotcap via a broker, Fortis Corporate Lending. The experience has been pleasurable....the broker was efficient and Laim at Spotcap was "on it" and was certainly client service and outcome focused. We have our funds for growth and I would recommend both of these organisations. Simon Clark, BarrettClark Executive Search

Russell Green

Nov 29,2018

Darwin and Spotcap do a wonderful job at servicing the market in a segment that has little comparison because the offer is truly unsecured. I find the team responsive to requests and good at giving feedback even if I do not agree with all the decisions they make :) Keep up the good work. If you'd like ot make the product revolving you would be unstoppable!

Rob Coles

Nov 21,2018

Spotcap offer a very efficient process and the website portal is straightforward and intuitive. If needed we will look to use Spotcap in the future.

Sonia Potts

Nov 20,2018

Easy to use online application. Queries sorted quickly.

Andrew Simcock

Oct 11,2018

Nasima was pleasant & very helpful throughout the process with Spotcap. Once the money was drawn down it was in our account in 2 working days. Thanks for your help & we will be coming back when we next need funding.

Eloise Walker-Smith

Sep 18,2018

Spotcap are excellent lenders and it's a pleasure working with them.

Ian Clark

Sep 14,2018

Very responsive, and kept me up to date at all times with clear concise communication.

C Crow

Sep 14,2018

The only negative I had was that the loan was expensive, but in fairness, it was unsecured.

Carl

Sep 13,2018

Great service, quick and easy to get Loan sorted and will endeavour to use going forward

John Whittaker

Aug 13,2018

There is a phrase "it does exactly what it says on the tin" and in respect of short term business finance that's Spotcap! Application made Friday lunchtime and funds drawn down by Monday afternoon. Great service and support from beginning to end!

David

Jul 31,2018

The process was quick, efficient and painless. The staff are very supportive and always on hand to answer any questions or alleviate any concerns you may have.

Leighton Samuel

Jul 30,2018

First Class service.....excellent communication throughout the process. There was a genuine desire to understand the requirements of the business, and the people in the business, rather than just analyse 'historic' figures.....very refreshing! Highly recommended.

Keith Bloxsome

Jul 27,2018

Fast, no nonsense service. Easy and transparent to deal with.

Jan M Stefanowicz

Jun 15,2018

SpotCap delivered. Darwin was positive and responsive throughout the process. Nasima reached out to the client and struck up a good rapport which helped us close the deal. Great service!