Flexible, versatile funding for your business

We provide loans of up to $250k that you can use for many different business purposes

Business finance from Spotcap

Get a loan of up to $250k

Need a small business loan, bridging finance or extra working capital? We have the answer – a loan you can apply for online, with an application process that takes just five minutes.

You borrow only what you need

It works like this: once approved, you’re given access to funds that you can draw down as you need them, for up to three months. Repayments are monthly. If you decide to borrow nothing, you pay nothing.

We’ll give you a quick decision

Get a loan decision within 24 hours of finalising your online application. We cut down waiting time by analysing your application with a combination of our unique technology and our specialist assessment team.

We don’t ask for security

Our expert credit assessment team uses advanced technology to make a thorough evaluation of the financial condition of your business. Based on this, we can offer unsecured loans to businesses that meet our criteria.

Business loan calculator

Use our business loan calculator to find out how much your loan will cost:

  • 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.
Spotcap gives you flexibility and versatility

Because it is so versatile, a Spotcap loan is a flexible alternative to many other methods of business finance. The types of business funding that our loans can substitute for include:

Compare us to traditional lenders

We understand the financing needs of small businesses

Bank LoanCredit Card Advance
Fast decision   
Paperless   
Focus on real-time performance   
Transparent costs   
Flexible payback   
apply now Read more about our line of credit

Our partners

Major Spotcap Partners supporting SMEs

“Spotcap Australia has issued more than $1 million worth of credit to SMEs in its first 60 days of operation, which has exceeded our expectations and validates to us that there is significant demand for our credit line product from SMEs in Australia.”

“Spotcap will differentiate itself by offering a free line of credit for up to three months. As soon as the company starts drawing on the loan, it becomes a “vanilla amortising” business loan that has to be paid back within six months.”

“Spotcap’s better-than-expected launch has driven the company to more than double its maximum loan size to $250,000. The company has also lent to businesses from all states and territories, mostly to those in the retail and services sectors.”