Small loans for Sydney businesses of up to $250k

Sydney-based companies now have a financial solution that reflects their wide variety of industries

Short-term finance for businesses based in Sydney

Paperless online application

For any business purpose

For Sydney-based businesses

Maximise your business ROI

Small business is booming in Sydney


You only have to look at the rapid rise of co-working spaces popping up in the city to see that small business is booming in Sydney. An increasingly big part of the Sydney economy, small businesses employ a large percentage of the population.

Sydney is known for its cultural diversity and this diversity also applies to the types of businesses and industries. Sydney’s priority industries include retail, tourism, international education, creative and digital, tech startups and finance and professional services. These industries are dominated by small businesses with the majority of businesses employing 20 people or less.

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

Sydney business loans of up to $250k

Small business is booming in Sydney


You only have to look at the rapid rise of co-working spaces popping up in the city to see that small business is booming in Sydney. An increasingly big part of the Sydney economy, small businesses employ a large percentage of the population.

Sydney is known for its cultural diversity and this diversity also applies to the types of businesses and industries. Sydney’s priority industries include retail, tourism, international education, creative and digital, tech startups and finance and professional services. These industries are dominated by small businesses with the majority of businesses employing 20 people or less.

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

Working capital loans of up to $100k in Australia

Spotcap understands the needs of Sydney’s small businesses

In order to thrive in Sydney, businesses need to stand out from the rest and continually grow. Growing your business could mean you’re developing new products, hiring sales people or investing a marketing campaign.

Spotcap credit lines are 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.

What’s more, Spotcap can help Sydney-based SMEs with the capital needed to extend their products and services to other cities in Australia, as well as overseas.

Which industries does Spotcap work with?


Whether your business is a local cafe or a chain of cafes, Spotcap can work with your business. Spotcap works with a wide variety of businesses in a diverse range of industries every day.

In this competitive city, Spotcap understands the need for your business to grow and compete. That’s why loans with Spotcap are available for between $10k and $250k - the finance your business needs to take that next step and compete.

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

Firm in Sydney looking for a business loan

Which industries does Spotcap work with?


Whether your business is a local cafe or a chain of cafes, Spotcap can work with your business. Spotcap works with a wide variety of businesses in a diverse range of industries every day.

In this competitive city, Spotcap understands the need for your business to grow and compete. That’s why loans with Spotcap are available for between $10k and $250k - the finance your business needs to take that next step and compete.

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 Sydney 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