Spotcap creates opportunities for businesses

Our new, unique approach to loans for small and medium-sized businesses is getting us noticed in New Zealand and around the world

Company Profile

The Spotcap story

Spotcap fuses a bold entrepreneurial spirit with an ambitious objective: to empower SMEs with tailored finance, allowing them to focus on what really matters – their business. Combining cutting-edge proprietary technology with an experienced team of credit specialists, we make business finance accessible in a way that’s new and extremely versatile. Our vision became reality when Spotcap launched in 2014.

To date we have secured more than $200 million in funding, we operate in five countries, and we’re enabling thousands of businesses to realise their own ambitions.

Spotcap employs more than 120 people and is headquartered in Berlin (Germany) with a local presence in Spain, the UK, the Netherlands, Australia and New Zealand.

The Spotcap mission

Empowering SMEs with tailored finance, allowing them to focus on what really matters – their business.

How Spotcap helps businesses

Despite driving innovation and employment, many small and medium-sized businesses in New Zealand find it hard to borrow from traditional financial institutions. Through our unique approach of utilising technology to simplify the application and assessment process, Spotcap is making business finance accessible to the SMEs that are the backbone of our economy.

Spotcap at a glance

Spotcap begins

2014, Berlin

Spotcap operates in

United Kingdom, Spain, The Netherlands, Australia, New Zealand

Spotcap has raised

$200 Million

Spotcap talent

Employs more than 120 people

Our Managing Director

Lachlan has worked in financial services for the last 15 years, both in Sydney and New York. For the last 5 years, Lachlan has been at the intersection of finance and technology, helping to bring several smaller start up businesses to market. During this time, Lachlan has witnessed the profound impact that technology can bring to the average consumer of financial services, making them much easier to use and often more cost-effective in the process. Prior to that, Lachlan worked in the capital markets businesses of global investment banks Deutsche Bank, UBS and Citigroup as both a salesperson and trader. When he’s not immersed in the world of fintech, Lachlan enjoys spending time with his daughter and soaking up all that life has to offer in sunny Down Under. Lachlan holds a Bachelor of Economics from the University of Sydney.


Press coverage

“Online business lender Spotcap has secured $20 million in funding from Heartland Bank, which has told the New Zealand stock exchange one of its key strategic priorities is "growing its presence in Australia".”

“European-based online lender Spotcap is launching in New Zealand, promising to shake up the small business lending market. The company has also partnered with NZX-listed bank Heartland, which will provide Spotcap Australia with a $A20 million funding facility.”

“An online lender to small and medium-sized businesses has launched with support from Heartland Bank. Spotcap, based in Berlin, provided SMEs with unsecured loans between $10,000 and $250,000.It assessed prospective businesses through an algorithm it claimed provided "deep insight" into the financial condition of a business, with loans only taking five minutes to apply for.”

We share valuable business tips and advice through our newsletter. Sign up to stay informed.

Press releases

Friend or Foe? Spotcap NZ talks fintech-bank collaboration with NZX-listed Heartland Bank

Spotcap predicts a collaborative future at Auckland banking conference Auckland, New Zealand – 7th July, 2017 – Managing Director of Spotcap New Zealand, Lachlan Heussler,…

Global online lender Spotcap launches in NZ, partners with Heartland Bank

Fintech company raises  A$20m in funding, identifies NZ as important new market AUCKLAND, NEW ZEALAND 31 January, 2017 -- European-based online lender Spotcap is today...

Online Lender Spotcap Launches in the UK

Spotcap has raised £56 million in equity and debt funding and issued more than £45 million in credit lines. It is operating in the UK with a credit license from the Financial Conduct Authority (FCA).

Fintech lender provides $11 million of finance to small businesses in first year

May 27, 2016 Spotcap experiences 30 per cent month-on-month growth, rapidly expands local presence SYDNEY, Thursday 26 May 2016 – In just one year online…

Online lending platform Spotcap raises nearly $50 million in funding

February 3, 2016  Finstar Financial Group acquires stake in FinTech company and becomes its major strategic partner Spotcap raises nearly $50 million (31.5M Euro) in…

Fintech lender makes credit more accessible for SMEs

November 23, 2015 Spotcap to become the first online lender to integrate with all six of Australia’s accounting software solutions SYDNEY, Monday November 23, 2015…

Online lender Spotcap moves into new Stone & Chalk fintech hub

August 26, 2015 Sydney, August 26, 2015 – Multi-national online lending platform Spotcap announced today that it has moved its Australian office into Sydney’s newest…

Entrepreneurs join forces to find Australia’s bravest business owner

May 30, 2016 SYDNEY, Monday 30 May 2016 – Online business lender Spotcap today launched ‘Yes is More’, a search for Australia’s bravest business owner….

Online credit platform Spotcap launches in Australia

May 26, 2015 Rocket Internet continues global fintech rollout with Aussie launch SYDNEY, May 26, 2015 – Spotcap, the Rocket Internet backed online credit platform,…

Press materials

Press Kit

Download essential media resources about Spotcap

Logo Kit

Access logo graphics for websites and print