We manage the financing,
so you can manage your business

Unsecured - no collateral required

FREE, non-committal application

Decision within one working day

No early repayment fees

What we offer

A line of credit up to $400k that converts into a loan when you draw down

Flexible 1-24 month terms

Unsecured – no collateral required

Credit decision made within one working day

Dedicated client service manager or account manager

No early repayment fees

Thousands of businesses chose a Spotcap business loan

Serving Australian businesses since 2014

Why businesses need a line of credit

Assist with cash flow

Boost working capital

Buy new stock and equipment

Refinance existing loans

Invest in marketing & HR

What we look for

Australian business

Minimum annual turnover of $200k

Trading for at least 18 months

Profitable business

We've made finance simple

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Tell us about yourself and your business (5 minutes)

 Answer a few questions and provide some basic accounting and bank data.

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Sit tight while we review your application (24 hours)

Our team of credit experts will review your application and we’ll be in touch with a decision.
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Accept your offer

Once approved, you have immediate access to your funds. Choose when to have the funds deposited to your account.

Accounting softwares we are integrated with

Frequently asked questions

Here's further information about Spotcap financing