Unsecured Business Loans up to $500k

Only pay interest on what you use

Apply in 5 minutes

Decisions within 24 hours


Monthly repayment




  • Amount
    $ 100,000
  • Duration
    12 months
Period Principal amount Interest amount Outstanding amount
For illustrative purposes only. The example shown above is based on an average Spotcap customer. We base our decisions on several criteria and loans can only be granted to borrowers who can afford repayments. For more information about responsible lending click here or contact us directly.

How to apply


Sign up with us

Register online to get your loan application started. It only takes 5 minutes

Complete your application

We guide you through the steps to give us the accounting and banking information we need, along with the necessary personal and business data

Get approval

Once approved, you can access your spot on business loan within one working day. Then you can start drawing down finance as you need it.

Do I qualify for a Zip Business loan?

We assess applications promptly and thoroughly, using a unique, proprietary credit algorithm that gives us deep insight into the financial condition of your business, within 24 hours.

Australian based business

Annual turn over of +$200k

Trading for at least 18 months

Profitable business

Partner with Zip Business Loans

We have established a large network of partners including commercial finance brokers, financial advisors, corporate partners and accountants