Trade finance up to $400k. Simple and straightforward.

Importing and exporting isn’t easy. That’s why we offer flexible financing that lets you focus on your business

Unsecured, without collateral

Free non-committal application

Decision within 1 working day

No fees for repaying early

Fully unsecured – no collateral required

No early repayment fees

Free, non-committal application

A decision within 1 working day

Get Started

Financing opportunities for importers and exporters

Businesses working across borders need access to capital to grow to their full potential. A trade finance facility from Spotcap can help

Trade finance up to $400k

Only pay interest on what you use

Straightforward paperless application

Funds available within 24 hours

We’re trusted by thousands of businesses

Don’t just take our word for it. Hear what our customers have to say about us:

How you can benefit from funding from Spotcap

  • Maintain a steady flow of trade

    Use working capital to keep your imports and exports at levels that you want, or approach large-scale trade deals.

  • Purchase inventory

    Keep up with customer demand by investing in research and stocking up on items of interest.

  • Finance trade on a global level

    Branch out in multiple markets by bringing down financial limitations and taking advantage of new opportunities.

What are the benefits of trade finance for importers and exporters?

Trade finance has many advantages for firms that import and export. By providing a stream of working capital it enables businesses in both fields to manage their day-to-day running costs. Trade finance can allow an importer to buy stock in bulk up-front, and an exporter to buy more inventory to sell. More working capital and a well-managed cash flow aids the growth of a business, allowing it to fulfil larger transactions that normally wouldn’t be possible. This can, in turn, potentially increase profit margins.


Since importers are obliged to pay for goods before they are shipped, the importer requires liquidity to pay the exporter’s invoice, as well as security that the goods will arrive. The importer’s bank can help by providing a letter of credit to the exporter, which provides working capital for the importer and mitigates their risk. An exporter’s bank lends money on the basis of an export contract.

Do I qualify for a business loan from Spotcap?

Australian business

Annual turnover of at least $200k

Trading for at least 18 months

Profitable business

How to apply

An online application can be completed in as little as 15 minutes

Unsecured Business Loans How to Apply
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Tell us about your business

Answer a few questions and provide some basic accounting and bank data
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We review your application

Our team of credit experts will provide a decision within 1 working day
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Accept your offer

Once approved, you have immediate access to your funds

Business loan payment calculator

  • Amount
    $ 100,000
  • Time
    12 months

$9,168

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.

What is trade finance and can it mitigate risk?

Trade finance makes it easier to buy and sell across borders. It’s a broad set of financial tools that meet the needs of importers and exporters of both finished goods and raw materials. The World Trade Organization (WTO) estimates that 80 to 90% of global trade relies on trade finance. Letters of credit, bills of exchange and loans are all elements of this type of finance.

What they have in common is that they are all concerned with ensuring businesses have access to working capital when they need it. Trade finance facilities act as safety nets, offering a degree of protection to buyers and sellers in an international marketplace. They assist in the fulfilment of transactions that may involve several currencies and multiple stakeholders.

More specifically, trade credit, political risk insurance and credit insurance are products that temper commercial risks which arise from conflict and instability. Credit insurance helps recover all or part of a receivable, while political risk insurance protects businesses that purchase from potentially unstable regions.

Frequently asked questions

Here's further information about finance from Spotcap

How to apply for a loan from Spotcap

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Tell us about yourself and your business

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Receive your decision within one working day

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Accept your offer and receive your funds

Qualification criteria

Australian business

Annual turnover of +$200k

Trading for at least 18 months

Profitable business

Business loan calculator

Monthly repayment

$9,168

  • Amount
    $ 100,000
  • Time
    12 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.