Powerful new features, services and add-ons for successful stores.





Business loans made easy

Spotcap is an online lender revolutionising the way small businesses apply for and access finance.

Whether you want to purchase inventory, hire more staff, run a marketing campaign or better manage cash flow, Spotcap has a tailor made financial solution to suit your needs.

Spotcap has already helped hundreds of hospitality and retail businesses grow. This new relationship with Kounta will ensure small businesses always have adequate working capital to run their business.

Quick and easy online application process

Apply online

Start your application within the Kounta app, then enter basic business and personal information and connect your business bank account and accounting software or upload your financials.

Get approved

Once you've completed your application, we will make a decision within 24 hours.

Watch your business grow

Once we've approved your application, the funds will be available immediately. You can take what you need, when you need it and only pay for what you take.

Spotcap makes life easy

We take the hassle out of applying for finance

We offer an online application process with no paperwork or unnecessary meetings.

We say 'yes' more often

We're here to help you grow and love to support businesses with potential. We offer individual pricing for every application we receive with interest rates starting from 0.5% per month.

We're right for you

We offer tailor-made business loans of up to $250,000 with flexible repayment schedules of up to 12 months. Once you receive your offer, you have up to three months to take your funds and won't be charged any interest until you do.

Safety and security

Spotcap uses cutting edge technology to assess your application using a system that is as safe as the banks.

Spotcap helps you grow

Spotcap can help retail businesses import materials from overseas suppliers, purchase inventory, hire new staff or upgrade online and POS technology. Hospitality customers often use a line of credit from Spotcap to open a second location, run a marketing campaign, hire staff or purchase inventory. Don't delay, find out how a line of credit from Spotcap can help grow your business.

try kounta free
No credit card required. No commitment.