Small business loans of up to $400K

Apply online in 15 minutes and receive a decision within one working day. An application is non-committal.

Small business loans in Australia of up to $400k

Flexible and accessible loans

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 FCA regulated and have some of the best risk detection systems in the market

Business loans - key features

  • Loan amount

    Your business could benefit from a loan of between £10k and £150k.

  • Loan terms

    Repayments are typically monthly, over 7-15 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 the UK, with a minimum turnover of £250k, who have been operational for 24 months and have a UK 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.

How to apply for your small business loan


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

Would you like to continue where you left off or start from the beginning?

What kind of entity is your company?

How long has your company been operational?

What would you use the loan for?

What is your average annual revenue?

How much would you like to borrow?

Enter your e-mail-address and create a password to create an account and finish your application within 5 minutes.
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