You have the will.
We have a way.

No repayments on business loans for the first 8 weeks

Apply now Talk to a specialist

Things you should know

Make 2021 your best year yet

Innovation, ingenuity and determination have kept you going. Flexible funding from Prospa could help you finish the year strong. Get ready to take 2021 by the horns. You’ve got this.

Apply for a business loan today and, if approved, you could enjoy the first 8 weeks with no repayments. Get the breathing space now, and we’ll extend your term at the other end (interest will accrue from the settlement date to the end of the term).

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Hassle-free application
for up to $300K with funding possible in 24 hours.

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Business-friendly daily
or weekly repayments with early payback benefits.

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A team of Business Lending Specialists who get to you know you and your business.

Why Prospa? It’s today’s way to borrow.

No more missing opportunities or scraping through, Prospa can help you access funds for growth opportunities and cash flow support in a fraction of the time and without all the fuss.

We’re New Zealand's small business lending specialist.

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Check if you qualify

If your monthly turnover is more than $6,000 and you have over 6 months trading history, you’re ready to go.

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Apply in 10 minutes

You need a valid driver licence and details about your business (plus business financials for loans over $150,000)

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Get on with business

With funding possible in 24 hours and no repayments for the first 8 weeks.

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


No repayment period offer available to eligible new and existing approved customers on a new or refinanced Prospa Small Business Loan. For customers approved and settled between 1 October 2020 and 4 November 2020 (inclusive), customers could elect to take an initial 8 week no repayment period. Between 5 November 2020 and 31 December 2020 (inclusive), approved customers can elect to take an optional initial no repayment period of between 1 to 8 weeks, during which interest will accrue but no repayments will be required. Total loan repayment term will be extended by the time equal to the no repayment period (1 to 8 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. Offer only available to businesses established and operating in New Zealand. Offer not available in conjunction with any other Prospa offer. Offer may be withdrawn without notice. Standard credit approval criteria, fees, terms and conditions apply. FSP663891.