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

Apply online

Fast and simple online application process

Suited for your business

Finance your small business in 24 hours

Maximum impact

Competitive rates and charges, with no hidden costs

Peace of mind

Your application is processed quickly, rigorously and securely

How to apply for a small business loan

Accessible funds for small businesses

Don't have cash on hand to finance your small business...? Worry no more, as Spotcap provides businesses like yours with fast and flexible finance options. We’ve made the process simple and efficient, providing you with what you need to grow.

The traditional process of securing finance for small businesses can be overwhelming -and that's why we are here to help: we want to see you grow your small business with our modern, accessible finance solutions.

Unsecured business line of credit in Australia

Accessible funds for small businesses

Don't have cash on hand to finance your small business...? Worry no more, as Spotcap provides businesses like yours with fast and flexible finance options. We’ve made the process simple and efficient, providing you with what you need to grow.

The traditional process of securing finance for small businesses can be overwhelming -and that's why we are here to help: we want to see you grow your small business with our modern, accessible finance solutions.

business loans for small and mid. size businesses of up to $250,000

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 to $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.

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 to grow in:

Our business loans reviewed

How could you benefit from a Spotcap small business loan?

  • Stock shelves

    Prepare for an upcoming busy season by purchasing the right amount of inventory. Finance from Spotcap can provide cash to help businesses plan ahead

  • Roll out a marketing campaign

    A well planned and executed marketing campaign can drive sales. Whether you’re interested in digital marketing, advertising or traditional marketing, a short term loan from Spotcap may be the right choice for your business

  • Invest in training and development

    Keep your team up to date with the latest business skills and industry know-how. Your customers will thank you for it

Spotcap business loan - the key facts

Loan amount

Borrow up to $250k to improve your business.

Loan terms

You can choose how much of the agreed amount you wish to borrow. Drawdowns are converted into business loans, usually repayable over 6 to 12 months.

Criteria to qualify

You can apply for a small business loan if you turn over at least $200k and your business has been operating in Australia for at least 18 months with an Australian online bank account.

Interest rates

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

Small business finance repayment 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.

How to apply for your small business finance

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Sign up

Applying for a small business finance starts with entering basic personal and business information

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Complete the application

Link your accounting software and online bank account, or upload financial statements to complete the loan application

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Get approval

Once approved, you’ll have access to your business loan within one working day