Business loans for Melbourne businesses of up to $250k

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

Short term finance for businesses based in Melbourne

Paperless online application:

For any business purposes

For Melbourne-based businesses

Maximise your business ROI

Melbourne’s economy is supported by small business


Small businesses account for around 96 percent of all business entities in the state of Victoria. Nearly half of all people employed in Victoria’s private sector work in small business.

Small businesses can be found in almost every industry and sector. Whether your business is building houses or selling them, Spotcap can help you grow your business.

With so many small businesses in Melbourne, there’s a lot of competition. In order to compete, there’s a need for capital, which is where Spotcap can help with loans up to $250k.

Business finance for small melbourne-based firms

Melbourne’s economy is supported by small business


Small businesses account for around 96 percent of all business entities in the state of Victoria. Nearly half of all people employed in Victoria’s private sector work in small business.

Small businesses can be found in almost every industry and sector. Whether your business is building houses or selling them, Spotcap can help you grow your business.

With so many small businesses in Melbourne, there’s a lot of competition. In order to compete, there’s a need for capital, which is where Spotcap can help with loans up to $250k.

Spotcap understands the needs of Melbourne’s small businesses

In order to thrive and compete in this vibrant city of Melbourne, businesses need to continually grow. For your business, this growth could mean developing new products, hiring sales people or investing a marketing campaign.

Spotcap understands the need for your business to compete in Melbourne. That’s why loans with Spotcap are available for between $10k and $250k - the finance your business needs to be able to grow and compete.

Spotcap can also help Melbourne-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 Melbourne 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 in Australia