Business loans made easy

The easiest and fastest way to get a credit line of up to $250,000 for your business.

Flexible repayment schedule of up to 12 months.

Why choose Spotcap?

Flexible unsecured business loans for SMEs

We say 'Yes' more often

Receive instant funding with a fast and simple application process. Complete three easy steps and we will give you an answer within 24 hours!

A business partner you can trust

Spotcap uses cutting-edge technology to assess your application and measure your business credit with a system that is as safe as a banks'.

Tailor-made business loans for your needs

A credit line of up to $250,000 with no hidden fees and flexible repayment schedules of up to 12 months. Funds are accessible 24/7 via our unique online portal.

How to access your online business loan?

Fast and easy online application process

Apply for your credit line in three simple steps 

  • Register and enter basic personal and business information
  • Connect your business bank account
  • Connect your accounting software or upload your financial documents

It's that easy!

Your credit line conditions reflect your recent business performance.

  • You may be eligible for the equivalent of two months of revenue
  • Up to six months to decide when you will withdraw the funds and how much you will use
  • Renew the credit line after the end of the commitment period by updating your profile
  • No fees to establish or maintain your credit line

You won't be charged any interest or fees if you don't draw down the funds

Access finance when you need it and make flexible repayments

  • Choose to repay your credit line over six or 12 months
  • Access your credit line instantly and withdraw funds as you please. No fee to payout your loan early 
  • Apply for additional funding at the end of the commitment period

Use the funds to grow your business

Customer Testimonials

Spotcap in the Media


Spotcap is an online platform that provides small business loans from $5,000 to $250,000


Spotcap will differentiate itself by offering a free line of credit for up to three months

Read more

Spotcap is the latest online business lender joining the rush to offer fast business loans to Australian small and medium businesses

Apply now