Versatile business loans of up to $400k for Aussie SMEs

We support SMEs to innovate, grow and stay competitive. We use a unique, proprietary credit algorithm that gives us deep insights. This enables us to make sound decisions within 24 hours.

Is my business eligible?

Apply online in 5 minutes and receive a decision within 24 hours.

Flexible and accessible loans

Have you been trading in Australia for at least 12 months? Did you turnover at least $100,000? Then you may be eligible for a business loan from $10k to $250K repayable over 1 to 24 months.

Robust credit assessment and decision-making within 24 hours

Transparent pricing, no hidden costs and no early repayment fee

There are no costs involved with our credit line until you draw down funds

We are serious about our security responsibilities

“Spotcap Australia has issued more than $1 million worth of credit to SMEs in its first 60 days of operation, which has exceeded our expectations and validates to us that there is significant demand for our credit line product from SMEs in Australia.”

“Spotcap will differentiate itself by offering a free line of credit for up to three months. As soon as the company starts drawing on the loan, it becomes a “vanilla amortising” business loan that has to be paid back within six months.”

“Spotcap’s better-than-expected launch has driven the company to more than double its maximum loan size to $250K. The company has also lent to businesses from all states and territories, mostly to those in the retail and services sectors.”