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

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

Spotcap at events

Catch us on the event circuit

WeAreDevelopers Conference

16 May 2018
Vienna, Austria

EXEC 2018

22 March 2018
Berlin, Germany
noah conference logo

NOAH Berlin 2018

6 June 2018
Berlin, Germany

"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."

Proud to partner with

Major Spotcap partners supporting SMEs across our markets