Business loans of up to $250k

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

Create your free account

Apply online in 5 minutes and receive a decision within one working day. An application is non-committal.

Do you have questions? Call us now!

0280 69 10 59

Monday to Friday 9am - 6pm.

How to get a small business loan from Spotcap

We bring a new approach to small business loans by offering credit lines from $10k to $250k through a straightforward online process. Once your loan is approved, you are free to draw down as much or as little funding as your business requires. This is repayable over 12 months, on terms competitive with traditional lenders.

What can I use my business loan for?

Because it’s your business, you choose how to use the finance we make available through a line of credit.

  • Upgrade business critical technology

  • Invest in staff training

  • Buy new stock or equipment

  • Expand your operations into a new region

  • Enhance your web presence

Why choose a business loan?

Whether you’re embarking on a business expansion project, or looking to address a cash flow shortfall, a small business loan from Spotcap could be the best funding solution choice if:

- You have a clear idea of the loan’s purpose

- Repayment terms of up to 12 months are appropriate

- You want the flexibility to repay early with no penalty.

Spotcap's business loan - key features

  • Loan amount

    Your business could benefit from a loan of between $10k and $250k.

  • Loan terms

    Repayments are typically monthly, over 6-12 months. In addition, in the early months, you can choose how much of the credit line to draw down.

  • Criteria to qualify

    Spotcap business loans are available to firms operating in Australia, with a minimum turnover of $200k, who have been operational for 18 months and have an Australian bank account.

  • Interest rates

    The interest rate on your business loan will reflect market conditions and your recent business performance. Use our business loan calculator to estimate the interest rate and monthly repayments.

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How to apply


Sign up

Enter basic personal and business information


Complete the application

Link your accounting software or upload financial and bank statements


Get approval

Once approved you will have access to your credit line within 24 hours