Online business loans up to $250,000

Like over one thousand Australian businesses, Kym used Spotcap to grow her business

Unsecured, without collateral

Free, non-committal application

Decision within one working day

No fees for repaying early

Start growing your business

In order to expand and innovate, small and mid-sized businesses need access to finance. An online business loan from Spotcap can help

Online business loans up to $250ik

Repay over 6-12 months, in monthly instalments

Only ever pay interest on what you use

Online application process can be completed in five minutes

How to apply for an online business loan from Spotcap

An online, paperless application can be completed in as little as five minutes. Simply signing up is 40% of your application

How-it-works-mobile-steps
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Sign up

Complete a short form to find out if your business qualifies
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Enter essential information

Provide us with information on business responsibilities and how you plan to use your loan
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Provide documents

Connect your accounting software of upload documents. Then, connect your business bank account

How Spotcap customers have used their online business loans

How real life clients have used our finance to grow

  • Managing cash flow

    Relieving pressure on your bank balance at times when you need to make unforeseen payments

  • Refresh your inventory

    Working capital to restock your inventory. Prepare for a busy season or broadening your product range

  • Growing your product range

    Adjust an existing product for a new market, or start selling something entirely new

  • Upgrading equipment

    Purchasing new machinery, updating finance or manufacturing software

How much does an online business loan cost?

With our unsecured lending approach, you only ever pay interest on what you draw-down. Find an estimate of your monthly repayments using our loan calculator:

  • Amount
    $ 125,000
  • Time
    9 months

$14,951

Monthly repayment

For illustrative purposes only. The example shown above is based on an average Spotcap customer. We base our decisions on several criteria and loans can only be granted to borrowers who can afford repayments. For more information about responsible lending click here or contact us directly.

Monthly repayment

$14,951

  • Amount
    $ 125,000
  • Time
    9 months
For illustrative purposes only. The example shown above is based on an average Spotcap customer. We base our decisions on several criteria and loans can only be granted to borrowers who can afford repayments. For more information about responsible lending click here or contact us directly.

Don’t just take our word for it. Hear what our satisfied customers have to say

We’re backed by experience and commitment

Spotcap Australia is led by Lachlan Heussler. He’s supported by a team of professionals dedicated to simplifying the route to finance for small and medium-sized businesses.

Lachlan Heussler

An experienced entrepreneur and innovator with more than 15 years’ experience in financial services with Deutsche Bank, UBS and Citigroup.

Jens Woloszczak

Jens founded Spotcap with the aim of changing the banking landscape and has many years of experience in finance.

Bruce Brenkus

Bruce Brenkus had senior roles at Wells Fargo Bank and Better Finance (SmartBiz), has advised Experian and the Commonwealth Bank of Australia, and is a regular speaker at risk management events.
Unsecured business loans for Aussies small and medium sized enterprises

The problem: traditional lenders & SMEs

In terms of dealing with the needs of SMEs, traditional lenders are outdated. By failing to meet the needs of Australian companies, a lending vacuum has been created. The current lending gap is estimated at $60bn. Alternative lenders have stepped up to bridge the gap, offering financially innovative products, like online loans.

The emergence of online business loans

The resulting underserved market allowed alternative lenders like Spotcap to uniquely meet the needs of SMEs. Spotcap offers online business loans to help businesses grow. Businesses often use this type of loan to boost growth while avoiding risking personal and business assets. Spotcap is fully unsecured, which means we don't require assets to be secured against the funds we lend.

Online loans allow for a quick and effortless process that is much quicker than traditional methods. Spotcap applications are completely paperless and require no meetings or phone calls. Applications can take as little as 5 minutes, meaning you can focus on what really matters – your business.

Unsecured business lending in Australia of up to $250k

The emergence of online business loans

The resulting underserved market allowed alternative lenders like Spotcap to uniquely meet the needs of SMEs. Spotcap offers online business loans to help businesses grow. Businesses often use this type of loan to boost growth while avoiding risking personal and business assets. Spotcap is fully unsecured, which means we don't require assets to be secured against the funds we lend.

Online loans allow for a quick and effortless process that is much quicker than traditional methods. Spotcap applications are completely paperless and require no meetings or phone calls. Applications can take as little as 5 minutes, meaning you can focus on what really matters – your business.

Unsecured lending for businesses from $10k to $250k

What's special about an online loan from Spotcap

An online business loan is a type of finance that is issued electronically. The facility is transferred to a bank account, allowing a business fast and easy access to funds when it needs them. Digitising the process makes this form of finance much more accessible compared to traditional funding options, allowing businesses to have access to their loan in as little as one working day.

Get in touch with Spotcap

If you have a question

Our comprehensive FAQs page probably has the answer.

If you prefer the phone

We’re pleased to take your call on 1800 10 70 10. You can contact us from Monday to Friday between 9:00am and 6:00pm.