Am I eligible for a Spotcap business line of credit?

We look at your credit application differently from other lenders. With a combination of advanced technology and expert review, we make a robust assessment of your firm’s financial condition. The result is a decision within 24 hours.

We will consider your credit application if your business meets these criteria:


At least $200k in the last year


Operating for at least 18 months


Has an Australian online bank account


Up to two years of financial reports


Registered business in Australia

Our unique, proprietary credit algorithm provides us with deep insight into the financial state of your business. This permits quick, sound decisions about offering a line of credit.

If you need more information, please contact us

Still unsure about something?

Click here for our comprehensive FAQs.

Want to speak with us?

Give us a call on 1800 10 70 10 from Monday to Friday between 9:00am and 6:00pm.