Spotcap

Spotcap UK Ltd (CN 09351116) was dissolved on 1 August 2023 after the wider Spotcap group exited UK and European SMB lending around 2020. Historically an unsecured term-loan lender for established Ltd companies. Not accepting new applications. Listed for borrower reference because the brand still surfaces in older directory listings.

Quick routing verdict

  • Product: Unsecured term loan (closed).
  • Ticket band: Closed to new business.
  • Decision time: N/A.
  • Pricing: N/A.

At a glance

Legal entity
Spotcap UK Ltd (dissolved)
Companies House
09351116
Founded
2015
Product
Unsecured term loan (closed)
Ticket range
Closed to new business
Decision time
N/A
Ltd-only
Yes (FundBiz routes Ltd / LLP / partnerships of 4+ only regardless)
Last reviewed
2026-05-08

Why we route here

  • Historical product fit: unsecured term loans up to £250k for established Ltd companies.

When we route elsewhere

  • Dissolved on Companies House (1 August 2023); not lending.
  • No successor UK SMB lending vehicle under the Spotcap brand.
  • Not a current option for any UK SMB.

Best fit applicants

  • Reference and historical context only

Where Spotcap is the wrong fit

  • Any new business loan need (entity dissolved)

If declined by Spotcap

If your application to Spotcap is declined, the FundBiz post-decline matcher routes by decline reason. Common alternatives in our panel are listed in the "When we route elsewhere" section above. See also our Spotcap decline runbook for sector-specific routing detail.

Other panel lenders

How we rate Spotcap

This review is FundBiz's own editorial assessment, scored against a published framework. See our methodology for how we rate each lender.

Run the matcher

Tell us your turnover, sector and ticket size. We score against Spotcap and the wider FundBiz panel, then surface the lenders most likely to approve. Limited companies, LLPs and partnerships of 4+ only.

Open matcher →

Last reviewed: 2026-05-08. By Oliver Mackman.

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