Fast and Flexible Financing
Meet your urgent financing needs with Spot Loan, exclusively offered to Figopara customers by İş Bankası.
What is Spot Loan?
Spot Loan is a fixed-rate, short-term loan designed to meet the urgent cash needs of commercial businesses. With a fast approval process and flexible maturity options, it reliably supports your financial planning.
Digital Application
Spot Loan applications are completely online — no need to visit a branch.
Paperless Transactions
No wet signatures or physical documents required; all transactions are handled from where you are.
Instant Access
Once your application is approved, the loan amount is deposited directly into your account.
Advantages of Spot Loan
No Invoice Collateral
Fast Approval Process
Fixed Interest Rate
Flexible Maturity Options
Payment at Maturity
Figopara Commercial Spot Loan
We quickly solve your business's financing needs with Spot Loan, exclusively offered to Figopara customers by İş Bankası. Designed for a fully digital experience from application to approval, this product regulates your short-term cash flow and empowers your business's future.
Wide Financing Network
We offer solutions for your business's diverse financing needs on a single platform, including Invoice Financing, Supplier Financing, Check Financing, and Spot Loan.
Technological Infrastructure
With our user-friendly platform, we enable you to complete your application processes digitally, quickly, and securely.
Customer-Focused Approach
We contribute to your business's sustainable growth by offering the most suitable solutions at affordable costs.
Fast Solution for Your Urgent Cash Needs
Meet your instant financing needs right away with our fast and easy Spot Loan offered without invoice collateral.
How Can I Apply for Spot Loan?
Sign Up Now
Easily sign up for Figopara in just a few minutes.
Create a Request
Based on the credit limit assigned to you by the financier, fill in the desired loan amount and maturity date to instantly create your loan request.
Accept the Offer
Accept the offer from the financier, view your loan details, and approve the loan commitment letter.
Access Cash Instantly
Congratulations, your spot loan application is complete. Once approved, the loan amount will be deposited into your account.
What Are the Differences Between Spot Loan and Invoice Financing?
Provided for short-term cash needs.
Does not require invoice collateral.
The loan is repaid with principal and interest at maturity.
Offers flexibility for general financing needs.
ABF submission is not required.
Used to obtain cash without waiting for the invoice maturity date.
Invoice collateral is used.
Payment is made according to the invoice maturity.
Regulates cash flow by accelerating invoice payments.
ABF submission is mandatory.
Hear It from Our Customers
During the period when banks hit the brakes, we truly saw Figopara by our side. Compared to last year, our turnover has increased by 50-60%, and Figopara's contribution to this is significant.
Hüseyin Rüştü Kobal , Gar Leather and Textile
We met Figopara in 2020. We started working with TFS transactions, which brought forward our collection dates and allowed us to bring and sell products faster.
Cüneyt Karap , Sanal İletişim
We met Figopara right during the pandemic when we were experiencing a financial crisis. It provided a solution to our urgent needs. We use Figopara for our urgent financial needs.
Damla Ocak , Ocak Tarım
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Frequently Asked Questions
Spot Loan is a fast, flexible business loan offered by İş Bank exclusively for Figopara customers, designed to meet urgent cash flow needs without collateral.
You can apply through your Figopara account by selecting Spot Loan and submitting your application. Approval typically takes a few hours to one business day.
You must be an active Figopara member with a verified business account, have a minimum operating history, and meet İş Bank's credit criteria.
Interest rates and terms are competitive and displayed transparently during the application process. Rates depend on your business profile and loan amount.
Upon approval, funds are typically transferred to your business account within 1-2 business days.
Spot Loan typically does not require traditional collateral, though specific requirements may vary based on your business profile and loan amount.