Spotcap Partner Program

With Spotcap and Xero, introducing your small business clients to smart finance has never been easier. It’s as simple as connecting a Xero account, completing an online application and within 24 hours your client could be approved for up to $500k

Business loans made easy

Spotcap’s online credit application means your clients won't have to spend time completing paper forms or uploading documents. With simple read-only access of Xero accounts, we are able to assess information in real time, to provide fast accurate decisions to let your clients get on with what really matters – their business.


Seamlessly connect and apply

Information we look at in Xero:

Profit and loss statements

Balance sheets

BAS activity

Information we don't access

Debtor/creditor information

Personal client/business data

Proprietary business information

We’re trusted by thousands of growing businesses

working capital loans customer quote

“The finance from Spotcap meant that our business could renegotiate our terms with our suppliers. It also meant we could invest in some new technology out of New Zealand; it made us look both of-the-minute, and world-class.”

Jennifer Hart

Founder, Everyday Cashmere

Why should I partner with Spotcap?

Hundreds of brokers, accountants and other professionals have already become accredited Spotcap partners. Here’s why:


To avoid unnecessary paperwork

Time is money, which is why our online loan application process can be completed in just five minutes.

To access loans at competitive prices

Your clients get fast access to a line of credit while only paying for what they borrow. We offer unsecured loans with competitive interest rates and no early repayment fees.

To see client satisfaction

Through us, your clients gain access to flexible business finance which they can tailor to meet their own needs.

To get quick decisions

We respond to applications within 24 hours. Our unique credit analysis algorithm allows us to make a prompt, robust assessment of the condition and creditworthiness of your client’s business.

To access the proprietary partner portal

Stay informed as our exclusive user-friendly dashboard allows you to monitor your clients’ business loan applications.

To get excellent advice

Our consultants will guide you towards the right outcomes for your clients, avoiding the costs of time wasted on inappropriate solutions.

Partner with Spotcap

Are you ready to partner with Spotcap? Diversify your business, and get in touch with us today.

Spotcap business loan calculator


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 Zip Business Capital 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.