Flexible loans for Perth businesses of up to $250k

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

Flexible finance for businesses based in Perth

Paperless online application:

For any business purposes

For Perth-based businesses

Maximise your business ROI

Business is booming in Perth - but some could be even bigger, sooner


Perth has experienced a number of fluctuations in industry as Australia’s most isolated city. One thing however hasn’t changed - and that’s the city’s booming small business community.

For years now, Perth has become known as a place where entrepreneurs can flourish. Whether it’s awards, workshops or mentorship, the state government has been generally supportive of local investment, allowing local industry to thrive.

Businesses, however, need capital to grow. This is where some business owners run into trouble, as they require additional cash to purchase equipment or additional inventory, hire new staff or produce new marketing campaigns to advertise their products and services.

Small business loans for Perth businesses

Business is booming in Perth - but some could be even bigger, sooner


Perth has experienced a number of fluctuations in industry as Australia’s most isolated city. One thing however hasn’t changed - and that’s the city’s booming small business community.

For years now, Perth has become known as a place where entrepreneurs can flourish. Whether it’s awards, workshops or mentorship, the state government has been generally supportive of local investment, allowing local industry to thrive.

Businesses, however, need capital to grow. This is where some business owners run into trouble, as they require additional cash to purchase equipment or additional inventory, hire new staff or produce new marketing campaigns to advertise their products and services.

Working capital loans of up to $100k in Australia

Spotcap understands the needs of Perth’s small businesses


With several years of experience working with local small businesses, Spotcap understands the unique needs of SMEs in Western Australia.

Whether it’s working in the right time zone, working to particular timeframes, or just simply understanding the pressures of the local market and changes in industry, Spotcap has the knowledge and understanding to help Perth businesses reach their potential.

What’s more, Spotcap can help Perth-based SMEs with the capital needed to push their products and services to both other cities in Australia, as well as abroad.

Which industries does Spotcap work with?


Whether you’re a local convenience store or a national chain based in Western Australia, Spotcap can work with any number of local small businesses, covering a wide variety of industries.

Our credit line is offered for almost any business purpose - so it also doesn’t matter whether you need funds for marketing, innovation, staffing or premises - we lend so that businesses have what they need to grow.

Contact us today if you think you can benefit from a Spotcap short term unsecured business loans - no matter the industry you’re in.

Short term business loans Perth

Which industries does Spotcap work with?


Whether you’re a local convenience store or a national chain based in Western Australia, Spotcap can work with any number of local small businesses, covering a wide variety of industries.

Our credit line is offered for almost any business purpose - so it also doesn’t matter whether you need funds for marketing, innovation, staffing or premises - we lend so that businesses have what they need to grow.

Contact us today if you think you can benefit from a Spotcap short term unsecured business loans - no matter the industry you’re in.

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.

FAQs: Signing up and qualifying for finance

  • Who can apply for a Spotcap business loan?

    We consider applications from businesses that are registered in Australia, have been operating for at least 18 months with an annual turnover of at least $200k and have an Australian online bank account.
  • How do I apply for a business loan?

    You apply online and the entire process can take just a few minutes. You give us basic information about the business and its owners, and financial information is provided by connecting your accounting software and online bank account to our systems. Alternatively, you can upload financial reports.

    We evaluate your data with our unique credit assessment algorithm, which advises how much you are able to borrow.
  • What does it cost to apply for a Spotcap loan?

    There is no fee for applying for a line of credit from Spotcap. When your application is approved, there is still no charge until you begin borrowing from the line of credit.
  • How quickly can I be approved for a Spotcap loan?

    It can take just five minutes to complete our online application process. Once it’s submitted, we notify you of the outcome within 24 hours.
  • How can I use a loan from Spotcap in my business?

    You can use the funds you borrow from us for any purpose related to your business. This can include hiring new staff, launching a marketing campaign, purchasing inventory or buying new business equipment.

Key facts about your Spotcap business loan

How much can I borrow?

Qualifying businesses can borrow between $5k and $250k

What are the terms?

A business loan from Spotcap begins as a line of credit. Draw down only what you require and then repay, typically over 6 to 12 months

How do I qualify?

Your business must be registered in Australia, have been operating for at least 18 months and have a turnover of at least $200k

What is the interest rate?

The rate we charge on your loan is based on your recent business performance. Use our loan calculator to find out more

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