Financing opportunities for Australian SMEs

Apply online for versatile unsecured business loans of up to $400k


Monthly repayment




  • Amount
    $ 125,000
  • Duration
    9 months
PeriodPrincipal amountInterest amountOutstanding amount
For illustrative purposes only. The example shown above is based on an average Spotcap customer. We base our decisions on several criteria and loans can only be granted to borrowers who can afford repayments. For more information about responsible lending click here or contact us directly.

Flexible and accessible unsecured business finance

Apply online

Efficient, paperless application with no unnecessary forms or meetings.

For any purpose

Flexible, versatile funding tailored to your needs.

Maximum impact

Competitive rates and charges with no hidden fees.

Peace of mind

Your application is processed quickly, rigorously and securely.

How it works

Merchant cash advance Image

Sign up with us

Register online to get your loan application started. Begin now and you could be done in less than five minutes.

Complete your application

We guide you through the steps needed to give us the accounting and banking information we need, along with the necessary personal and business data.

Get approval

Once approved, you can access your business loan within one working day. Then you can start drawing down finance as you need it.

Partner with Spotcap

We partner with hundreds of introducers including commercial finance brokers, financial advisors, corporate partners and accountants

Do I qualify for a Spotcap unsecured business loan?

We assess applications promptly and thoroughly, using a unique, proprietary credit algorithm that gives us deep insight into the financial condition of your business. We assess applications within 24 hours of receiving your completed application.

You can apply if you meet our minimum criteria:

Your business is registered in Australia.

You turned over at least $200k in the last 12 months.

You’ve been trading for at least 18 months.

You have an Australian online bank account.

Versatile unsecured business loans to meet your needs

Unsecured business loans

Keep moving forward with an unsecured business loan. Our new approach brings added flexibility to business lending, combined with a prompt, convenient online application and approval process.

Small business finance

Working capital

Expand your opportunities with our new approach to business finance. We’re offering a new way to fund new equipment, new products and new hires, and to facilitate growth into new markets.

working capital | unsecured loans

Trade finance

Our business loans are great for importers and exporters because they're easily customised to suit you. Stay in control of your cashflow and finance costs by borrowing only what you need and repaying early when you want.

Equipment finance

Unlock your potential by purchasing the equipment you need to get the job done. Our new take on business lending offers a flexible approach to funding vital new truck, machine or digital hardware.

Alternative finance

Borrowing for business is getting more exciting and more accessible thanks to new methods of lending. Explore our unique finance solution, designed to give established and growing businesses a welcome cashflow boost.

Read more about a business line of credit from Spotcap

We’re trusted by thousands of businesses

Don’t just take our word for it. Hear what our satisfied customers say about us:

“Online lending platforms such as Spotcap have developed unique credit algorithms which leverage real-time business data to provide unsecured lines of credit in a fast and flexible way. In many cases the application process can be completed entirely online and funds available within 24 hours.”

“Spotcap has lent $35 million to Australian small businesses over its first 19 months of operations, with the book growing by 450 per cent over the year to December 2016 as the fintech expanded its distribution capability through deals with broking networks.”

“Spotcap focuses on small- and mid-sized enterprises, or SMEs, that have been active more than a year. Those businesses often have limited access to credit as they pose more risk to banks and don’t have the track record to prove their ability to repay the funds.”