How we rank
The ranking on this site is determined by Top Business Lenders at its sole discretion, based upon, inter alia, accessibility of the various sites, scope of the services offered and other factors. The ranking should NOT be relied upon for accuracy purposes. To provide you this service free of charge, we embed links to the provider sites that assign us referral commissions. We guarantee that this arrangement does not cause any bias to the offers we display, although it may impact the ranking structure.

Top Business Lenders does not specifically endorse the ranked sites. The data presented on this site and any possible use of it is subject to our Terms of Use

Highlight Overview

Loan Period

1-12 months

Loan Range

$10,000 - $250,000


  • Trusted multi-national lender
  • Quick approvals & funding
  • Flexible line of credit


  • Stringent qualification criteria
  • Not for start-ups
  • Low maximum loan amount

Bottom Line

If loan flexibility is important for your small business, then Spotcap has the right solution for you.

Check if you Qualify for a Spotcap loan

Get Spotcap Loan

Full Review

Trusted by 1000’s of Australian small businesses, Spotcap is a leading small business lender. Spotcap has been featured in big media outlets like Financial Review, The Huffington Post, and Bloomberg and is making waves in the Australian lending market.

What We Like Best

- Online application, fast approval

- Spotcap product is a hybrid of a credit line and a loan

- Excellent customer service

Loan Features

Type of Loan - Business Line of Credit

Line of Credit Amount - $10,000-$250,000

Purpose of Line of Credit - Any business purpose

Requirements for Business Line of Credit

To qualify for a Spotcap loan your business needs to meet the following criteria:

  • Business has been actively trading for at least 18 months

  • Business turnover at least $200,000 per annum

  • Your business is registered in Australia

  • You have an online Australian bank account

Application Process

You can apply online for your Spotcap business line of credit through one simple online application.

You can access your online application any time from your mobile or computer.

Once approved, you could receive the money in as little as 24 hours.

Safety & Security

With Spotcap, your data is completely protected as the company complies with all privacy and data protection laws. All your data is encrypted using the top data encryption technology available in the market.

About Spotcap

Spotcap was founded in 2014  in Berlin, operates in Australia, New Zealand, the US, Spain and the Netherlands and currently has over 90 employees.

Spotcap has helped thousands of small businesses with over $90 million in funding.

Bottom Line

What we love most about Spotcap is their flexibility. Spotcap is the top choice for business finance thanks to its speedy approvals, flexibility, and excellent customer service.

Please note that all information provided in this review is accurate at the time of publication and is subject to change. The information contained in this review is provided for informational purposes only, should not be construed as legal advice on any subject matter and should not be relied upon as such. The reviewer accepts no responsibility for any consequences whatsoever arising from the use of such information.

No documents up to $50,000 with no exit fees or early payment penalties

Quick Facts About Spotcap

Trusted by 1000's of Australian SMEs
Funded over $90 million

Get a Spotcap Business Loan Quote

Sending Details... Please Wait

Thank you for applying!

In a few seconds, you'll be redirected to our online form to complete your loan application.

Complete your loan application now

Click Here

Check if you qualify for a
Business Loan

McAfee SECURE sites help keep you safe from identity theft, credit card fraud, spyware, spam, viruses and online scams Your details are protected
McAfee SECURE sites help keep you safe from identity theft, credit card fraud, spyware, spam, viruses and online scams Your details are protected
By clicking "GET LOAN OFFERS", you are indicating that you have read and agree to our Privacy Policy and Terms And Conditions.