Trade finance loans of up to $250,000 for Australian businesses

Export and import finance offers huge potential to businesses in Australia. We offer a new approach to financing your International trade success with a facility of up to $250,000, larger requests can also be considered.

Unsecured trade finance loan

Free non-committal application

Decision within one working day

No early repayment fees or penalties

Finance your international trade with Spotcap's business loan

Trading companies are eligible to receive a loan of up to $250,000

The trade finance loan is repaid over 6-12 months

You will only ever pay interest on what you use

Once approved, you can access your trade loan within one working day

How our business lending works

The online application process can be completed in as little as five minutes. By just signing up, you have already completed 40% of your application

How-it-works-mobile-steps
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Sign up with us

Register online to get your loan application started. Begin now and you could be done in less than five minutes.
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Complete your application

We guide you through the steps needed to give us the accounting and banking information we need, along with the necessary personal and business data.
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Get approval

Once approved, you can access your business loan within one working day. Then you can start drawing down finance as you need it.

The cost of a Spotcap business loan for trading companies

With our unsecured lending approach, you only ever pay interest on what you draw-down. Find an estimate of your repayments using our loan 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.

Don’t just take our word for it. Hear what our satisfied clients say about us:

We’re backed by experience and commitment

Spotcap Australia is led by Lachlan Heussler. He’s supported by a team of professionals dedicated to simplifying the route to finance for small and medium-sized businesses.

Lachlan Heussler

An experienced entrepreneur and innovator with more than 15 years’ experience in financial services with Deutsche Bank, UBS and Citigroup.

Jens Woloszczak

Jens founded Spotcap with the aim of changing the banking landscape and has many years of experience in finance.

Bruce Brenkus

Bruce Brenkus had senior roles at Wells Fargo Bank and Better Finance (SmartBiz), has advised Experian and the Commonwealth Bank of Australia, and is a regular speaker at risk management events.

Break down of trade finance

What is trade finance?

Trade finance makes it easier to buy and sell across borders, and across the ocean. It’s a set of finance tools that have developed over time to meet the needs of importers and exporters of both finished goods and raw materials.

Letters of credit, bills of exchange and loans designed specifically for international trade are all elements of trade finance. What they have in common is that they are all concerned with ensuring businesses have the right funds, at the right time.

Both importers and exporters want the confidence that they have access to the working capital they require to keep doing business. Trade finance gives them this confidence, and as a result, it helps keep the wheels of international commerce turning.

What is trade finance?

Trade finance makes it easier to buy and sell across borders, and across the ocean. It’s a set of finance tools that have developed over time to meet the needs of importers and exporters of both finished goods and raw materials.

Letters of credit, bills of exchange and loans designed specifically for international trade are all elements of trade finance. What they have in common is that they are all concerned with ensuring businesses have the right funds, at the right time.

Both importers and exporters want the confidence that they have access to the working capital they require to keep doing business. Trade finance gives them this confidence, and as a result, it helps keep the wheels of international commerce turning.

What are the benefits of trade finance?

Trade finance has many advantages for firms that import and export goods and materials. Designed with the demands of international trade in mind, this type of finance is structured to fit around your business' trading cycle.

Trade finance allows SME businesses to grow, as it provides a supplementary working capital stream, enabling businesses to control their day-to-day running costs. This type of facility can also allow a business to buy stock or inventory in bulk up front, potentially increasing profit margins.

Another benefit of trade finance is the ability to pay import collections and import letters of credit, as well as extending your working capital. Given the trust oriented nature of international trade, this form of finance can allow you to make quick payments to your suppliers, supporting your reputation and strengthen your relationships.

What is Spotcap's trade finance solution?

A typical trade finance arrangement is focused on ensuring your business has access to working capital when you’re importing or exporting. A Spotcap business loan delivers the same outcome, giving flexible access to finance as you need it.

A significant difference between a Spotcap business loan and many other forms of trade finance is that we do not ask for any security or a guarantee. Our unique approach to assessing a firm’s financial health makes it possible for us to offer unsecured loans.

Because the loan is unsecured, and delivered on flexible terms, it offers a genuine alternative to businesses looking for trade finance. The Spotcap loan solution has been designed to meet the needs of growing and ambitious businesses in Australia.

What is Spotcap's trade finance solution?

A typical trade finance arrangement is focused on ensuring your business has access to working capital when you’re importing or exporting. A Spotcap business loan delivers the same outcome, giving flexible access to finance as you need it.

A significant difference between a Spotcap business loan and many other forms of trade finance is that we do not ask for any security or a guarantee. Our unique approach to assessing a firm’s financial health makes it possible for us to offer unsecured loans.

Because the loan is unsecured, and delivered on flexible terms, it offers a genuine alternative to businesses looking for trade finance. The Spotcap loan solution has been designed to meet the needs of growing and ambitious businesses in Australia.

Let your international trade benefit from Spotcap's loan

A Spotcap loan can be a practical alternative to trade finance for firms in many industries. Here are just a few examples of how our loans help by:

  • Pay your suppliers on time

    International trade depends on trust and goodwill, which can be more fragile because of the geographical and cultural distance between buyers and sellers. Having a solid trade finance arrangement in place to fund payments can help protect commercial relationships

  • Providing the capital to pay staff

    Whatever your business, you don’t want to run the risk of not paying your staff on time. This is where a Spotcap loan can be a lifeline, providing the cash required to meet your payroll obligations

  • Financing import of inventory

    Delays in the delivery of inventory, whether raw materials or finished products, can wreak havoc with your manufacturing or sales plans. Trade finance can help eliminate hold ups by ensuring payments are made on time

  • Supplying vital working capital

    You don’t want to put your day-to-day operations at risk by not being able to make an essential payment. The flexible nature of our loans can give you peace of mind that extra capital is available should you need it

Got a question about Spotcap's loan for trading companies

If you prefer the phone

We’re pleased to take your call on 1800 10 70 10. You can contact us from Monday to Friday between 9:00am and 6:00pm.