Spotcap is a multinational fintech operating in the SME lending space. Founded in 2014, it has originated more than EUR 400 million in credit lines operating as a direct lender to SMEs in the United Kingdom, Netherlands, Spain, Australia and New Zealand. Its success in these markets stems from a strong customer service culture and its loan application technology, which allows processing of all cases within one working day. Together they create an efficient and high-quality business finance experience, which has earned Spotcap a position as a top-rated business lender. Since 2018, Spotcap has also been partnering with financial institutions, offering an end-to-end business lending platform with proprietary document recognition and risk assessment algorithms. The company has entered strategic partnerships with multiple organisations, such as with BAWAG Group in Austria and buy-now-pay-later provider Zip Co in the ANZ region, to offer same-day financing to SMEs in their respective regions.