Short-term business loans up to $250k for New Zealand businesses and SMEs
It’s hard to beat the freedom and flexibility offered by a short-term loan you can use in your business for any purpose
Apply online
Time-saving, efficient and paperless
For a range of purposes
Versatile funding that meets your needs
Maximum impact
Competitive rates and charges with no hidden fees
Peace of mind
Your application is processed rigorously and securely
What is a short-term business loan?
A short-term loan boosts the working capital in your business for a relatively short period of time, perhaps up to a year or so. You put the funds to work in some way, such as paying for a vital asset which generates income and helps you repay the loan.
The most flexible short-term loans are unsecured. However, traditional lenders are increasingly reluctant to lend without some form of security or a personal guarantee. They want the confidence that if the business is unable to repay, they will get some money back.
Spotcap brings a new approach to short-term loans for businesses in New Zealand. We’re taking full advantage of the latest digital technologies to make short-term unsecured funding available to small and medium-sized businesses.
What is a short-term business loan?
A short-term loan boosts the working capital in your business for a relatively short period of time, perhaps up to a year or so. You put the funds to work in some way, such as paying for a vital asset which generates income and helps you repay the loan.
The most flexible short-term loans are unsecured. However, traditional lenders are increasingly reluctant to lend without some form of security or a personal guarantee. They want the confidence that if the business is unable to repay, they will get some money back.
Spotcap brings a new approach to short-term loans for businesses in New Zealand. We’re taking full advantage of the latest digital technologies to make short-term unsecured funding available to small and medium-sized businesses.
Let your business benefit from short-term funding from Spotcap
Can a Spotcap short-term loan help my business?
Flexible short-term finance offers huge benefits to both established and growing businesses. It allows you to invest in inventory, people or marketing in order to generate revenue.
Spotcap offers unsecured short-term loans because we’re confident in our unique approach to risk analysis. When you apply, your financial data is analysed by our unique credit assessment algorithm, which is supported by our finance experts.
Our analysis identifies the level of risk associated with lending to your business. This allows us to offer unsecured short-term loans to businesses across a variety of industries, for a range of different purposes.
