Flexible loans for Queensland businesses of up to $250k

SMEs in Queensland now have a financial solution that reflects the wide variety of industries

Short term finance for businesses based in Queensland

Paperless online application:

For any business purposes

For Queensland-based businesses

Maximise your business ROI

Almost of Queensland businesses are small and medium size businesses


Spotcap understands SME business needs. Queensland is a SME dominated state with small businesses across every industry sector - from construction to finance. Almost 20 percent of small businesses in Australia are based in Queensland which is not surprising considering the cost-competitive business environment.

Small businesses need to keep growing in order to be competitive. Investing in growth could mean you’re hiring sales people, developing new products or investing in a marketing campaign.

No matter your industry, Spotcap can help you grow your business through helping you access loans up to $250k. If your business is building houses, decorating them, selling them, or something entirely different - we have helped someone like you grow their business.

qld business loans

Almost of Queensland businesses are small and medium size businesses


Spotcap understands SME business needs. Queensland is a SME dominated state with small businesses across every industry sector - from construction to finance. Almost 20 percent of small businesses in Australia are based in Queensland which is not surprising considering the cost-competitive business environment.

Small businesses need to keep growing in order to be competitive. Investing in growth could mean you’re hiring sales people, developing new products or investing in a marketing campaign.

No matter your industry, Spotcap can help you grow your business through helping you access loans up to $250k. If your business is building houses, decorating them, selling them, or something entirely different - we have helped someone like you grow their business.

Working capital loans of up to $100k in Australia

Spotcap understands the needs of Queensland small businesses

Spotcap unsecured 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 SME businesses based in Queensland with the finance needed to extend their products and services to other parts of Australia, as well as overseas.

Contact us today if you think you can benefit from a Spotcap line of credit - no matter the industry you’re in.

Versatile loans designed to meet your financial needs

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

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

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 Queensland 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