Small business loans up to $250k for NZ businesses and SMEs
You can now apply online for quick access to Spotcap small business loan
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 rigorously and securely
What are small business loans?
Small business loans are a finance solution designed specifically for the many smaller businesses make up the New Zealand economy. While they are often less visible than the big brands, small businesses are a major source of employment and wealth generation.
The nature of small businesses, where almost everyone is very hands-on, means they often look for flexible short-term loans that are particularly suited to their situation.
Traditional lenders often require small business owners to put up assets as security for these loans, which can include their private homes, or they may even ask for a personal guarantee. Spotcap is different because we offer small business loans without requiring any such security.
What are small business loans?
Small business loans are a finance solution designed specifically for the many smaller businesses make up the New Zealand economy. While they are often less visible than the big brands, small businesses are a major source of employment and wealth generation.
The nature of small businesses, where almost everyone is very hands-on, means they often look for flexible short-term loans that are particularly suited to their situation.
Traditional lenders often require small business owners to put up assets as security for these loans, which can include their private homes, or they may even ask for a personal guarantee. Spotcap is different because we offer small business loans without requiring any such security.
How you can benefit from a Spotcap small business loan
What’s different about a small business loan from Spotcap?
Unlike traditional lenders, we’re comfortable with offering small business loans without asking for security. We’re confident in our unique approach to risk assessment and credit scoring.
When you apply, your financial data is analysed by our sophisticated algorithm, supported by finance experts. Our approach allows us to offer small business finance to businesses across a variety of industries, for a mix of different purposes.
If you’re looking for a short-term loan with the following features, take a look at what Spotcap has to offer:
- Fixed monthly repayments over 1 to 12 months.
- Can be used for a variety of different business purposes.
- Easy to repay early, without incurring any penalty fees.
Our finance solution is designed specifically with small businesses in mind.
