If you have received an invitation to our new Partner Portal, please click on this link.

Partner with Spotcap

We partner with hundreds of introducers including commercial finance brokers, financial advisors, corporate partners and accountants

Why work with Spotcap?

Introduce your clients to fast and flexible funding

Credit lines of up to $500k

Decision made in one working day

Trusted by thousands of SMEs

No assets required as security

“What I liked about Spotcap was that they were willing to listen to our story and the growth that we were experiencing and work with us to find a solution.”

David Bahadori
Co-founder, Broken Yellow

How it works


Register as a partner

Signing up is fast, easy, and gives you access to your personalised dashboard where you can submit and track applications.

Submit an application in minutes

Apply online on behalf of your client or refer your client to complete the application in only a few minutes.

We assess the application

We usually make a decision within 24 hours. We will let you know as soon as possible if we need additional information.

Receive an offer for your client

We’ll send you the credit line approval details via email including drawdown fee, repayment options and applicable interest rate.

Your client accepts

Your client can choose when to draw down. The credit line then converts into a term loan with funds immediately available.

Our criteria

Which of your clients can we help?

Businesses registered in Australia

Trading for at least 18 months

Turnover of at least $200k in the last 12 months

Profitable and growing business

What's different about a Spotcap business loan?

Unsecured finance up to $500k

We lend for almost any business purpose

Co-financing opportunities available

Quick and easy online application

Dedicated account manager

Partner with Spotcap

Please leave us your details, and one of our team members will be in touch

Contact us to find out more at or call us on 1800 10 70 10.


  • What makes Spotcap different from other lenders?

    We provide finance to small businesses, offering a quicker, more versatile approach to borrowing. We provide a paperless, online application process and a fast yet robust approach to credit analysis and loan approval. Our rigorous solution gives us the confidence to offer unsecured loans.
  • How much can a business borrow?

    The amount a business can borrow is based on turnover, a thorough assessment of their financial condition and how much is requested. Our unsecured lines of credit and business loans range from $10k to $250k.
  • Does a loan need to be linked to a specific business purpose?

    We understand that firms need access to working capital for many different reasons, and that commercial circumstances can sometimes change quickly. Once a business loan is approved, it’s the choice of the business how it makes use of those funds.
  • How quickly can a business access its approved funds?

    As the application process is entirely online, much of it involves uploading documentation. As such, an application can be completed in as little as five minutes. If approved, notification is given within one working day, from which point the funds are immediately made available for the business to draw down.
  • Do I have to complete all loan applications for my clients?

    From your Partner Dashboard, you can apply on behalf of your clients and monitor the application progress. At any point during that process however, you can hand over the application for your client to complete online themselves.
  • Who can I contact if I have more questions?

    Our Customer Service team would love to hear from you! Call us on 1800 10 70 10 or email The Spotcap team is available every business day between 9am and 6pm.