Need funds for business growth or cash flow support?
- Funding options up to $500K
- Fast decision and funding possible in 24 hours
- No asset security required upfront to access Prospa funding up to $150K
Funds to grow and run your franchise business
Prospa is New Zealand’s small business lending specialist. We are dedicated to helping established small businesses and franchisees with hassle-free access to funding up to $500K to support growth initiatives and cash flow fluctuations.
With Prospa, application takes just 10 minutes. You’ll know where you stand right away as we provide a fast decision and funding is possible in just 24 hours to approved applicants.
Prospa Small Business Loan
- Borrow from $5K up to $100K as a lump sum over a fixed term of up to 36 months.
- Minimum $6K monthly turnover and minimum trading history to apply.
- Great for managing cash flow, buying stock and equipment, or covering unexpected expenses.
Prospa Business Loan Plus
- Borrow from $100K up to $500K as a lump sum over a fixed term of up to 36 months.
- Minimum $1 million annual turnover and 3 years trading to apply.
- Often used for funding growth, renovations and refits, or equipment purchases.
Prospa Business Line of Credit
- Get ongoing access to funds up to $150K and only pay interest on the funds you use.
- Minimum $6K monthly turnover and minimum trading history to apply.
- Ideal for managing cashflow and unexpected expenses.
A faster, easier approach to business lending
01
Apply online in under 10 minutes
For a loan, you'll need your recent trading figures to refer to, business bank account & driver licence details.
02
Get a same-day decision
Apply for a loan and you'll get a decision within a business day - often just a few hours. We'll reach out to explain the process and answer any questions you have.
03
Access your funds
Once your loan is approved, the fund are automatically transferred and could be in your account as soon as the next business day.
01
Apply online in under 10 minutes
For a loan, you'll need your recent trading figures to refer to, business bank account & driver licence details.
02
Get a same-day decision
Apply for a loan and you'll get a decision within a business day - often just a few hours. We'll reach out to explain the process and answer any questions you have.
03
Access your funds
Once your loan is approved, the fund are automatically transferred and could be in your account as soon as the next business day.
Customers making it happen with a Prospa loan
Read customer stories
