Transform your SME lending

Spotcap empowers financial institutions and fintechs from the lending space to offer fully digital, cost-efficient, and user-friendly financing for small and medium-sized enterprises. Check out our flexible and easy-to-integrate solution that has been successfully implemented by various players.

Features

Risk Engine

Proprietary risk models based on transactional, demographic and financial data sources; possibility to implement and/or integrate 3rd party rating models or build custom risk model based on Spotcap concepts and insights

Limit Engine

Flexible global credit limit estimation using a variety of different concepts, such as affordability and liquidity, as well as applying haircuts

Document Processing Engine

Smart document recognition & extraction service for financial reports and bank statements to reduce processing to few seconds

0M+
Total lending processed
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Countries configured
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Fast approval times
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Reduction in servicing costs

Why Spotcap

We understand finance & SMEs

We have won awards and the support of local government, and have supported thousands of small and medium-sized businesses in five markets.

An award-winning platform

Our proprietary digital lending platform is capable of servicing the entire lending process. Each of its components can be customised to suit the client’s needs.

Technology & professional consulting

We focus on technology and automation, but we also act as an extension of the client’s team and are well-known for professional consulting.

Some of Spotcap's Partners

  • Providing a digital, fully automated credit proposition with instant decision-making up to €50,000 and same-day financing

    Universal Bank in DACH Region
  • Providing risk analytics and a credit passport with our Bank Account Insights product based on SME bank transactional data for enhanced risk assessment.

    European Alternative Lending Player
  • Providing a digital, fully automated credit proposition with instant decision-making up to €50,000 and same-day financing

    Buy-now-pay-later Australian Unicorn Fintech
  • Delivering a full End-to-End lending infrastructure and credit solution to offer fast, simple and digital business loans between 5k and 250k CHF.

    Leading Finance Player in Switzerland
  • Providing a digital, fully automated credit proposition with instant decision-making up to €50,000 and same-day financing

    Universal Bank in DACH Region
  • Providing risk analytics and a credit passport with our Bank Account Insights product based on SME bank transactional data for enhanced risk assessment.

    European Alternative Lending Player
  • Providing a digital, fully automated credit proposition with instant decision-making up to €50,000 and same-day financing

    Buy-now-pay-later Australian Unicorn Fintech
  • Delivering a full End-to-End lending infrastructure and credit solution to offer fast, simple and digital business loans between 5k and 250k CHF.

    Leading Finance Player in Switzerland

News & Media

First Analysis White Paper

The prevailing financing gap facing SMEs around the world is a widely acknowledged phenomenon preventing SMEs, the backbone of our...
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How Tech Can Enable Banks to Support SMEs During the Pandemic

The outbreak of COVID-19 has put many businesses on pause with a challenging and uncertain economic outlook. SMEs in particular...
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Next-Generation SME Lending Powered by Open Banking & APIs

Since Open Banking and PSD2 came into place, banking APIs have gradually started to have an impact on financial services....
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