Small business finance of up to $250,000 in Australia

Apply online and access business financing fast. We provide the funding you need for your business to grow

What is different about Spotcap’s finance for Aussie businesses?’

Unsecured – no collateral required

A decision within one working day

Free, non-committal application

No early repayment fees

We’re trusted by thousands of growing businesses

Don’t just take our word for it, see what our satisfied customers say about us

working capital loans customer quote

"Spotcap finance enabled us to grow and having that emotion that someone believed in your vision just left us feeling great"

Jennifer Hart

Director of Everyday Cashmere
working capital loans customer quote

“Spotcap’s online process was simple and straight-forward and I was approved for finance in no time at all.”

Spencer Smith

Founder, RV Solar Supplies

Grow your business

Small and medium sized Australian businesses need access to finance to grow and innovate. Spotcap business finance can help you move forward and grow your business

Up to $250k of finance

Only pay interest on what you use

Straightforward paperless application

Funds available within 24 hours

Business finance from Spotcap - How to apply

It can take just 15 minutes to complete your application. By signing up, you have already completed 40% of the process

Small Business Finance Australia Application Process
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Sign up to to check eligibility

Find out if you qualify by completing a short form
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Enter key business details

Provide information on responsibilities and how you plan to use your loan
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Connect your accounting software

Give us read-only access to your accounting software or upload key documents.
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Connect your business bank account

This allows us to make a fast assessment of your applications. Your data is protected with bank level security

What you need to know about Spotcap business loans

Spotcap business loans work in the form of credit lines. Check the steps below to understand how

Small Business Finance Australia Timeline

1. APPROVAL

Once your application has been approved we offer you a credit line. Your funds will be available within 24 hours

2. COMMITMENT PERIOD

Your credit line is available for 1 to 3 months. During this period you may draw down as much or as little as you need

3. DRAWING DOWN

Each drawdown becomes a separate business loan. Each loan has the same interest rate

4. REPAYMENT

Each loan is repaid monthly over an agreed course of time (between 1 and 12 months). After the first month, you can repay your loan early without penalty

5. RESCORING

When your credit line expires you have the option to request a rescore. This means that we reassess your information and determine if we can offer a longer repayment schedule or larger credit line

Spotcap Business Loan - payment 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.

Want to talk to us

For more details on eligibility and required documents, call us on 1800 10 70 10 or request a callback




Small business finance for Aussie SMEs

Small business finance without collateral

It can be hard to get a traditional small business loan to fund your business without security. But with us, you can have access to between $10,000 and $250,000 of business finance – without the need to sign guarantees or provide security.

Our technology facilitates a new and improved way to provide small businesses with finance. It’s completely paperless, doesn’t require collateral and takes as little as five minutes. We review your application and make a prompt decision – usually within 24 hours. Once approved, you can access the funds almost immediately.

Is SME finance from Spotcap right for my business?

Small business finance from Spotcap can help you to run a marketing campaign, open a secondary office or location, hire additional staff or just better manage your working capital. A Spotcap line of credit gives you the flexibility to access finance for any business purpose. A Spotcap loan may be right for you if:

  • You can make repayments over a 12 month period.
  • You know how you want to use the funds.
  • You want a simple and efficient means of accessing capital.
  • You want the flexibility to repay your loan early without penalty.

Finance your business today

Spotcap business finance can be beneficial for businesses experiencing rapid growth, or those with fluctuating cash flow. It is also designed to support businesses gearing up for a particularly busy period. Essentially, if you know borrowing money will put your business in a position to pay back the loan within the next 12 months, small business finance is right for you.

These loans are suitable for a big range of industries… in fact, we’ve already helped hundreds of Australian businesses grow in:

Ready to grow your business?