Small business loans to match your business needs

  • With funding up to $300K
  • Fixed term up to 36 months
  • Fast decision and funding possible in 24 hrs

Apply now Talk to a specialist

We’re big believers in small business!

Kiwi small business owners believe in themselves. And at Prospa, we believe in them too.
That’s why we offer a no-nonsense approach to business lending.

Our customers enjoy flexible repayment options that work with business cash flow. You get a fast decision and funding is possible in 24 hours, and you can choose to delay repayments for the first four weeks (loan term will be extended and interest will accrue from settlement until the end of term). Plus there’s no asset security required upfront to access Prospa funding up to $150K.

It’s why we’re New Zealand’s small business lending specialist.

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Small Business Loan

A lump sum to cover everyday business expenses and opportunities.

  • Loans between $5K and $100K
  • Fixed term between 3 and 24 months
  • Fast application and decision with funding possible in 24 hours
  • Flexible repayment options and early payout available
  • Optional no repayments for the first 4 weeks
  • No asset security required upfront to access Prospa funding up to $150,000
  • Minimum 6 months trading to apply
  • Interest rates based on your business circumstances
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Back to Business Loan

A larger amount to invest in business growth opportunities.

  • Loans between $100K and $300K
  • Fixed term up to 36 months
  • Smooth application with support from a Business Lending Specialist
  • Flexible repayment options and early payout available
  • Optional no repayments for the first 4 weeks
  • Asset security required upfront to access Prospa funding over $150,000
  • Minimum $100K monthly turnover and 3 years trading to apply
  • Interest rates based on your business circumstances

Why Prospa? Because we believe in you.

No more compromising or missed opportunities with Prospa by your side. Access funds for growth and cash flow support in a fraction of the time and without all the fuss. It’s just what we do.
We’re New Zealand’s small business lending specialist.

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Check if you qualify

Is your monthly turnover more than $6,000? Been trading for over 6 months? That’s a great start!

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Apply in 10 minutes

Grab your driver licence and details about your business. Minimal paperwork to apply for up to $150,000.

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Get on with business

Delay repayments for the first 4 weeks if you wish so you can focus on what you love about your business!

Get started with a
Prospa Small Business Loan

Leave your details below and one of our Business Lending Specialists will get in touch to discuss how a Prospa Small Business Loan could help keep your business moving.


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We take the work out of getting a business loan

At Prospa, we want to help you keep your business moving. Unlike traditional lenders, our entire process makes getting a small business loan easy – so you spend less time applying, and more time realising your dreams.

Learn More

THINGS YOU SHOULD KNOW

No repayment period available to approved customers who settle a new or refinanced Prospa Small Business Loan or Back to Business Loan. Approved customers can elect to take an optional initial no repayment period of between 1 to 4 weeks from the loan settlement date, during which interest will accrue but no repayments will be required. Total loan repayment term will be extended by the time equal to the selected no repayment period (1 to 4 weeks) and interest will accrue from the loan settlement date until the end of the term. Interest that accrues on the loan during the no repayment period is capitalised and included in the total interest expense and forms part of the regular fixed daily or weekly repayments due on each payment date following the end of the no repayment period. Not available to refinance an existing Prospa loan if the existing loan is currently within a no repayment period at the time of application. Product settings may be amended or withdrawn without notice. Standard credit approval criteria, fees, terms and conditions apply.