Case Study: Spotcap (SME online lender) achieves 300% growth and minutes‑fast automated loan decisions with Tungsten Automation

Spotcap Revolutionizes Lending with Flexible and Accessible Financing for Small and Medium-Sized Businesses

Spotcap, a Berlin-based fintech founded in 2014, provides flexible funding to small and medium-sized enterprises across several countries. Facing an industry where traditional lenders often overlook smaller credit needs because manual processing is costly and slow, Spotcap set out to build a fully online, automated platform that could assess applications quickly and efficiently by analyzing large volumes of business and cash-flow data.

To achieve that vision Spotcap integrated Kofax RPA, deploying hundreds of bots to extract and consolidate thousands of data points from accounting software, registries, tax records, credit databases and e‑commerce sites into its proprietary predictive credit algorithm. The end-to-end automation lets Spotcap deliver decisions in minutes and offer €10,000–€250,000 lines of credit with minimal human intervention; Kofax RPA delivered ROI in under a year, helped drive rapid prototyping and scaling, supported ~300% year‑on‑year growth, and contributed to more than €100 million in funding and expansion into multiple markets.

Spotcap

Karl Sponholz

Chief Operating Officer