The Spotcap team is excited to announce that we're now Zip Business!
We're still the same great team, delivering the same great service and products to help grow your business - just with a fresh new look.

Use a line of credit to grow your business

Flexible unsecured business loans

Apply online for a versatile business loan of up to $500k in New Zealand

Apply online

Time-saving, efficient and paperless

For any purpose

Versatile funding that meets your needs

Maximum impact

Competitive rates and charges, with no hidden fees

Peace of mind

Your application is processed quickly, rigorously and securely

  • Amount
    $ 125,000
  • Time
    6 months

$14,951

Monthly Repayment

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.

Monthly Repayment

$14,951

  • Amount
    $ 125,000
  • Time
    6 months
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 it works

Zip Business Loans
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Sign up with us

Register online to get your loan application started. Begin now and you could be done in less than five minutes.
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Complete your application

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

Once approved, you can access your 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 lend to businesses with great potential, whether you’ve been trading for just 18 months or 18 years. Our unique, proprietary credit algorithm gives us deep insight into the financial condition of your business. Your application will be assessed within 24 hours of being received.

You can apply if you meet our minimum criteria:

Your business is registered and operates in New Zealand

Your turnover was at least $200k in the last year

You’ve been trading for at least 18 months

You have a New Zealand online bank account