Flexible loans for your business

We make it easy for businesses like yours to access finance of up to $500k

Apply now
Am i eligible?

Business loans from Spotcap

Borrow up to $500k

Need extra working capital to grow your business or improve your cashflow? We have the solution. It takes just 5 minutes to apply online.

Borrow only what you need

How it works: once approved, you’ve got access to cash you can draw down as needed. Borrow the amounts you need, when you need them. Drawdowns become business loans, repayable monthly.

We’ll give you a quick decision

You’ll get a loan decision within 24 hours of submitting your online application. To cut waiting time, we analyse the data you supply using our unique technology, backed by our expert assessment team.

All our loans are unsecured

If you meet our criteria, you will be offered an unsecured business loan. We are able to do this because our specialist credit assessment team uses advanced technology to make a thorough evaluation of the financial condition of your business.

Business loan calculator

Use our business loan calculator to find out how much your loan will cost:

  • Amount
    $ 125,000
  • Time
    6 months

$14,951

Monthly Repayment

Apply Now
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
    6 months
Apply Now
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.
Spotcap makes business loans simple

Because it is so versatile, a Spotcap loan is a flexible alternative to many other methods of business finance. The types of business funding that our loans can substitute for include:

Compare us to traditional lenders

We understand the financing needs of small businesses

Bank LoanCredit Card Advance
Fast decision   
Paperless   
Focus on real-time performance   
Transparent costs   
Flexible payback   
apply now Read more about our line of credit

Spotcap in the media

Hear what the media has to say about Spotcap

“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 $500,000. The company has also lent to businesses from all states and territories, mostly to those in the retail and services sectors.”