Spot On Business Loans

Unsecured business loans between $10,000 to $500,000

Easy online application can be completed within minutes.

Transparent pricing, no hidden costs and no early repayment fee.

Do you have questions? Call us now!

0800 444 540

Monday to Friday 9am - 6pm.

Am I eligible?

Has your business been operating for at least 18 months and do you have an annual turnover of at least $200,000? Spotcap will assess your business differently to traditional credit providers; we focus on recent business performance, not just historical financials.

An unsecured business loan from Spotcap - what you need to know

  • Loan amount

    Borrow between $10k and $250k for a range of business purposes

  • Loan terms

    A Spotcap business loan starts as a line of credit. You choose how much to draw down and when, with each drawdown becoming a business loan. You can repay early without penalty

  • Criteria to qualify

    You can apply for an unsecured loan if your New Zealand registered business has a turnover of at least $200k, has been operating in New Zealand for at least 18 months and has a New Zealand online bank account

  • Interest rates

    Your interest rate is reflective of market conditions and recent business performance. Use our business loan calculator to estimate the interest rate and monthly repayments