Small business loans
to match your business needs

  • 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

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What could you be doing by this time tomorrow?

With Prospa’s fast application and decision process, this time tomorrow you could have the funds you need to set your business up for success. Whatever is next on your agenda, our flexible funding solutions are there to support almost any business need.

Prospa Small Business Loan

Quick access to $5K$100K to cover cash flow and unexpected expenses.

  • Fixed term up to 24 months
  • Fast application and decision
  • Funding possible in 24 hours
  • No asset security required upfront
  • Min $5K monthly turnover and 6 months trading to apply

Prospa Plus Business Loan

Larger loans of $100K$500K to invest in your next business growth opportunity.

  • Fixed term up to 36 months
  • Smooth application with support from a Business Lending Specialist
  • Pre-approval without credit check for loans above $250K
  • Min $700K annual turnover and 3 years trading to apply

Prospa Line of Credit

Ongoing access to a limit of up to $150K to keep your business moving.

  • Use and reuse as often as you like, with an initial term of 24 months
  • Fast decision and funding possible in under 24 hours
  • Only pay interest on what you use
  • Access funds via online portal
  • Min 6 months trading to apply

Why Prospa? Because we support small business.

No more compromising or missed opportunities with Prospa by your side.
This time tomorrow you could have access to funds for growth and cash flow support.
It’s just what we do. We’re New Zealand’s small business lending specialist.

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Fast application and decision, and funding possible in 24 hours on flexible options up to $500,000.

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A dedicated Business Lending Specialist will get to know you and your business and provide a personalised solution.

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Join thousands of Kiwi small businesses who thrive with the support of New Zealand’s small business lending specialist.

Talk to a business lending specialist

Leave your details below and one of our Business Lending Specialists will get in touch right away to discuss how Prospa could help keep your business moving with the funds you need.

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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.

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No repayment period available to approved customers who settle a new or refinanced Prospa Small Business Loan or Prospa Plus 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.