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The Spotcap Story

Spotcap provides flexible and accessible small business loans, allowing SMEs to focus on what matters – their business. We developed our credit risk algorithm in-house and lend from our own balance-sheet. Headquartered in Berlin Germany, Spotcap launched in Spain in September 2014 before expanding to the Netherlands and Australia in 2015, the UK in 2016 and New Zealand in 2017. The company is led by Founder and CEO Dr. Jens Woloszczak. The growing team currently consists of more than 120 employees. Spotcap is backed by a number of world-class investors including Rocket Internet, Finstar Financial Group, Access Industries, Holtzbrinck Ventures, Kreos Capital and most recently Heartland Bank.

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Need a comment or quote for an article, or have a question about our business, founder or team? Get in touch with our Global Head of Communications Keeley Reynolds via:

Press coverage

“Spotcap’s credit scoring technology (...) uses thousands of data points to accept or decline a loan or credit line, typically lasting over 12 months.”

"Spotcap, an online lending platform for small businesses, said the number of applicants from Britain had doubled to around 20 percent since the Brexit vote, with many coming from the finance sector."

"Spotcap focuses on small- and mid-sized enterprises. Those businesses often have limited access to credit as they pose more risk to banks and don’t have the track record to prove their ability to repay the funds."

Corporate news

Global Online Lender Issues €120M In Credit Lines to SMEs

Spotcap raises additional €22M in funding   BERLIN, Germany – 9 October, 2017 – In three years, online lender Spotcap has issued more than €120…

Online lender Spotcap partners with bank and raises a further EUR 14M

Fintech lender launches in fifth market BERLIN, Germany 30 January, 2017 — Online lender Spotcap today announces a partnership with NZX-listed New Zealand bank, Heartland,…

Online lender Spotcap launches in UK

Fintech lender issues 50 million euros in credit lines to finance opportunities for SMEs BERLIN, Germany, 3 November 2016 — Two years after its launch,…

Online lending platform Spotcap raises EUR 31.5M in funding

Finstar Financial Group acquires stake in FinTech company and becomes its major strategic partner Berlin & Moscow, 2nd February 2016 Online lending platform Spotcap successfully…

Online lender Spotcap reaches 500 million euros in 12 months

First assessment of Rocket Internet’s newest fintech company Berlin, 7 October 2015: 12 months, 3 countries, 2 continents, 18 million euros in funding, 20,000 registered…

Online lender Spotcap joins Deutsche Börse’s programme for European growth funding

Rocket Internet’s newest fintech company selected for Deutsche Börse Venture Network Berlin, August 4, 2015 – Online lending platform Spotcap announced today that it has…

Online credit platform Spotcap launches in Australia

BERLIN, May 26, 2015 – Spotcap, the Rocket Internet backed online credit platform, launches in Australia today, providing funding solutions to SMEs across the country….

Online credit platform Spotcap raises EUR 5 million in funding

First round of debt capital for Rocket Internet’s newest fintech startup Berlin, Germany, 23rd March 2015 – Spotcap, the fastest online credit platform, announced today…

Online credit platform Spotcap kicks off its global roll out

Rocket Internet’s newest fintech company enters the Dutch market Berlin, March 9, 2015 – Six months after its launch in Spain, the Rocket Internet backed…

Online credit platform Spotcap reaches 1 million euros in credit lines in only five months

First important milestone for alternative business funding in Spain MADRID, FEBRUARY 5, 2015: Only five months after its launch in Spain, the Rocket Internet backed…

Big expansion: Spotcap online business loans now available for all companies

Expansion from niche market to a customer group of 3 million businesses MADRID, JANUARY 9, 2015: Four months after launching its service for online merchants…

The three biggest obstacles to securing funding for small businesses

Access to funding can mean the difference between success and failure for entrepreneurs and small businesses. Spotcap, the fastest online credit platform, has identified the…

Spotcap receives EUR 13 million in funding just a few weeks after launch

Tech start-up provides the fastest online credits for small business owners Berlin, October 28th 2014 – ust a few weeks after launch, Spotcap, the fastest…

The fastest online credit: Spotcap reinvents financing

Tech startup brings power back to small business owners making use of big data Madrid, September 4th 2014 – Spotcap is the new innovative online…

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