Small business, Medium-sized business
No fee to apply. Interest rate based on risk profile.
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As a small and medium sized business lender, Spotcap has developed a credit algorithm which provides a fast, yet rigorous assessment of a company’s performance. Based on this algorithm, Spotcap offers loans from its own balance sheet.
Since launching in 2014, Spotcap has issued EUR 250 million (approx 224m GBP) in credit lines. The company also works with selected enterprise partners under its Lending-as-a-Service proposition.
Spotcap is headquartered in Berlin, Germany and operates as a direct lender in the United Kingdom, the Netherlands, Australia and New Zealand. Spotcap has raised 100 million euros in funding and is backed by a number of high profile investors including Rocket Internet, Finstar Financial Group, Access Industries, Holtzbrinck Ventures and Heartland Bank.