Financing opportunities for SMEs

Apply online for versatile and flexible business finance

Flexible and accessible business finance

Online application

An online application which saves you time and energy.

For any purpose

Flexible finance, tailored to the needs of your business.

Maximise ROI

Competitive rates and charges, with no hidden costs.

Peace of mind

Your application is processed promptly, rigorously and securely.

How it works

Sign up with us

You initiate the business loan application by registering with us and completing a pre-qualification checklist.

Complete your application

We guide you through the process of uploading the necessary tax, accounting and bank information, while giving us the required personal and business data.

Get approval

Once approved, you can access your business loan within one working day. This allows you to start drawing down finance as you need it.

We’re trusted by hundreds of businesses

Hear what customers have to say about Spotcap

Judith de Ruijter

Founder, A Little Lovely Company

“A serious lender who understands entrepreneurs of this age. Thorough but fast analysis, transparent and great service.”

Ruud Metten

Founder, BsaB Europe

”The credit allowed us to grow and enhance our service quality. It works perfectly in tandem with other financing solutions.”

Navid Bahadori

Co-founder Broken Yellow

“What I liked about Spotcap was that they were willing to listen to our story.”

* These are genuine reviews from Spotcap customers in the Netherlands and Australia.

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Spotcap in the media

Hear what the media has to say about Spotcap

"Spotcap’s business is based around new technology to help meet small business needs more efficiently than traditional lenders (...)"

"Spotcap lends to small and medium-sized companies, offering applicants a loan decision minutes after an algorithm rates their creditworthiness."

"The company uses an innovative credit scoring technology that directly evaluates real-life business data to provide fast and flexible financing."