Financing opportunities for New Zealand SMEs

Apply online for a versatile business loan of up to $250k in New Zealand

  • Amount
    $125,000
  • Time
    6 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
    6months
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.

Flexible unsecured business loans

Apply online

Time-saving, efficient and paperless

For any purpose

Versatile funding that meets your needs

Maximum impact

Competitive rates and charges, with no hidden fees

Peace of mind

Your application is processed quickly, rigorously and securely

How it works

How it works

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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.

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.

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.

Do I qualify for a Spotcap NZ business loan?

We lend to businesses with great potential, whether you’ve been trading for just 18 months or 18 years. Our unique, proprietary credit algorithm gives us deep insight into the financial condition of your business. Your application will be assessed within 24 hours of being received.

You can apply if you meet our minimum criteria:

Your business is registered and operates in New Zealand

Your turnover was at least $200k in the last year

You’ve been trading for at least 18 months

You have a New Zealand online bank account

Versatile business loans you can tailor to meet your needs

Unsecured business loans

Keep moving forward with an unsecured business loan. Our new approach brings added flexibility to business lending, combined with a prompt, convenient online application and approval process.

Short term loans

Our business loans are great for importers and exporters because they're easily customised to suit you. Stay in control of your cashflow and finance costs by borrowing only what you need and repaying early when you want.

Working capital

Expand your opportunities with our new approach to business finance. We’re offering a new way to fund new equipment, new products and new hires, and to facilitate growth into new markets.

Equipment finance

Unlock your potential by purchasing the equipment you need to get the job done. Our new take on business lending offers a flexible approach to funding vital new truck, machine or digital hardware.

Alternative finance

Borrowing for business is getting both more exciting and more accessible thanks to new methods of lending. Explore our unique finance solution, designed to give established and growing businesses a welcome cashflow boost.

We’re trusted by thousands of businesses

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

* These are genuine reviews from Spotcap customers in Australia.

“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.”