Flexible and accessible loans

Robust credit assessment and decision-making within 24 hours

Transparent pricing, no hidden costs and no early repayment fee

There are no costs involved with our credit line until you draw down funds

We are serious about our security responsibilities

Create your free account

Apply online in 5 minutes and receive a decision within one working day. An application is non-committal.

Do you have questions? Call us now!

1800 10 70 10

Monday to Friday 9am - 6pm.

Working capital loans of up to $100k in Australia

What is a line of credit and how does it work?

A line of credit is a business loan arrangement giving you flexible access to the finance your business requires. Once your application has been thoroughly assessed, and if the line of credit is approved, the funds are available to draw down. You only take what you need, as you need it. Each drawdown becomes a separate loan. You manage your line of credit and loans through an easy-to-use online dashboard.

What can I use my business loan for?

Because it’s your business, you choose how to use the finance we make available through a business loan.

  • Upgrade business critical technology

  • Invest in staff training

  • Buy new stock or equipment

  • Expand your operations into a new region

  • Enhance your web presence

Why choose a business loan from Spotcap?

We have developed a unique, rigorous credit assessment algorithm that allows us to assess the financial condition of your business. This stringent approach, based on key financial documents you share with us, allows us to offer unsecured loans. We don’t ask for personal guarantees or any other form of security. This speeds up your application process, because there’s less documentation to submit. We assess your ability to repay based on the recent business performance data that you supply.

Spotcap's business loan - key features

  • Loan amount

    Your business could benefit from a loan of between £10k and £150k.

  • Loan terms

    Repayments are typically monthly, over 7-15 months. In addition, in the early months, you can choose how much of the credit line to draw down.

  • Criteria to qualify

    Spotcap business loans are available to firms operating in the UK, with a minimum turnover of £250k, who have been operational for 24 months and have a UK bank account.

  • Interest rates

    The interest rate on your business loan will reflect market conditions and your recent business performance. Use our business loan calculator to estimate the interest rate and monthly repayments.

Our costumer reviews

How to apply


Sign up

Enter basic personal and business information


Complete the application

Link your accounting software or upload financial and bank statements


Get approval

Once approved you will have access to your credit line within 24 hours