Financing opportunities for Australian and New Zealand SMEs. Use our tailored finance to help you focus on what really matters, your business.

    Spotcap empowers small business owners with unsecured finance, allowing them to focus on what really matters - their business. Our new approach brings added flexibility and transparency to business lending, offering New Zealand businesses loans from $10,000 to $250,000 for up to 12 months. Put a Spotcap loan to work in your business today and start seizing new opportunities.

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    Spotcap + Xero

    It’s never been easier to apply for a business loan. Complete a application in as little as five minutes by simply connecting your Xero data with Spotcap and completing some basic questions online. Once your application has been submitted, we’ll get back to you with a decision within one business day.

    Reviews & ratings

    2 Reviews
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    Daniel Skinner
    Really convenient source of business finance. Simple application process as well as friendly and prompt communication. They have taken the time to minimise the hassle of applying for finance.
    William Guzzo
    Brilliant finance option for growing small businesses. The whole process is super easy and streamlined (thanks to the Xero integration) but also they take a deep look into your business and look at the bigger picture. Fair, fast, and friendly – love Spotcap and the difference it has made in my business journey so far.
    Additional info

    App details

    Added in 2017


    Australia, New Zealand




    Setup walkthroughIntegration


    0800 444 540



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