Am I eligible for a Spotcap business loan?

We take a more forward-looking view of your business than many other lenders. Your application is analysed using a combination of advanced technology and expert review. This allows a fast yet robust assessment of your businesses’ financial condition, leading to a decision within 24 hours.

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We consider loan applications from businesses meeting these criteria:

Turnover

At least $200k in the last year

Trading

Operating for at least 18 months

Banking

Has a New Zealand bank account

Reports

Up to two years of financial reports

Geography

Registered business in New Zealand

Our unique, proprietary credit assessment algorithm gives us deep insight into the financial state of your business. This allows us to make quick, sound decisions about offering loans.

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If you need more information, please contact us

Still unsure about something?

Click here for our comprehensive FAQs.

FAQs

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Ask us now with online chat. You can contact us from Monday to Friday between 9:30am and 7:30pm.

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Want to speak with us?

Give us a call on 0800 444 540 from Monday to Friday between 9:30am and 7:30pm.

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