Flexible loans for your business

We make it easy for businesses like yours to access finance of up to $500k

Business loans from Zip Business Loans

Borrow up to $500k

Need extra working capital to grow your business or improve your cashflow? We have the solution. It takes just 5 minutes to apply online.

Borrow only what you need

How it works: once approved, you’ve got access to cash you can draw down as needed. Borrow the amounts you need, when you need them. Drawdowns become business loans, repayable monthly.

We’ll give you a quick decision

You’ll get a loan decision within 24 hours of submitting your online application. To cut waiting time, we analyse the data you supply using our unique technology, backed by our expert assessment team.

All our loans are unsecured

If you meet our criteria, you will be offered an unsecured business loan. We are able to do this because our specialist credit assessment team uses advanced technology to make a thorough evaluation of the financial condition of your business.

Business loan calculator

Use our business loan calculator to find out how much your loan will cost:

  • 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.
Zip Business Loan makes business loans simple

Because it is so versatile, a Zip Business loan is a flexible alternative to many other methods of business finance. The types of business funding that our loans can substitute for include:

Compare us to traditional lenders

We understand the financing needs of small businesses