Small loans for Brisbane businesses of up to $250k

SMEs in Brisbane now have a financial solution that reflects their wide variety of industries

Short term finance for businesses based in Brisbane

Paperless online application

For any business purposes

For Brisbane-based businesses

Maximise your business ROI

Brisbane’s economy is supported by small business


Almost 20 percent of small businesses in Australia are based in Queensland which is not surprising considering the cost-competitive business environment. In fact, 43 percent of Queensland’s private sector workforce is employed by small businesses.

Small businesses can be found in almost every industry and sector. Growing sectors in Brisbane include construction, education, government, health and retail - these combined industries account for more than half of total employment across the city.

Whether your business is building houses or selling them, for example, Spotcap can help you grow your business through helping you access loans up to $250k.

Fund for businesses in Brisbane

Brisbane’s economy is supported by small business


Almost 20 percent of small businesses in Australia are based in Queensland which is not surprising considering the cost-competitive business environment. In fact, 43 percent of Queensland’s private sector workforce is employed by small businesses.

Small businesses can be found in almost every industry and sector. Growing sectors in Brisbane include construction, education, government, health and retail - these combined industries account for more than half of total employment across the city.

Whether your business is building houses or selling them, for example, Spotcap can help you grow your business through helping you access loans up to $250k.

Finance for brisbane businesses

Spotcap understands the needs of Brisbane’s small businesses

In order for small businesses to compete in Brisbane, they need to be growing. This growth could mean hiring sales people, developing new products, or investing in a marketing campaign.

Spotcap business loans are offered for almost any business purpose - so it also doesn’t matter if you need funds for staffing, innovation or marketing - we support businesses with financing their growth.

Spotcap can also help Brisbane-based SMEs with the finance needed to extend their products and services to other cities in Australia, as well as overseas.

Versatile loans designed to meet your financial 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.

Key facts about your Spotcap short term finance

Does your business qualify to apply for an unsecured business loan?

Your business should be a registered business, operating for at least 18 months, with an annual turnover of at least $200k

How much could your business borrow?

Your business can borrow a small business loan anywhere from $10,000 to $250,000

What does it cost to apply?

Nothing – the application process is entirely free. You only start paying interest once you decide to draw down an amount against an approved credit line, with each drawdown becoming a business loan

What is the overall interest rate?

Depending on recent business performance and market conditions, the interest rate applicable may vary. Use our business loan calculator to find out estimates on both interest rate and monthly repayments

How quickly could your business be approved?

We aim to get back to our clients within 24 hours, with the funds being made available often the following business day once approved

Does Spotcap offer this service only for Brisbane businesses?

We operate throughout Australia, across all regions, and work with all types of businesses

How to apply for business finance from Spotcap

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Sign up

Fill in some brief details to start off the application process

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Complete the application

Upload financial documents, or link your bank account, to complete your application

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Get approval

You’ll receive our response within 24 hours of submitting a completed application

Spotcap loans reviewed by business owners like you