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, this time tomorrow you could have the
funds you need to set your business up for success. Whether you’re ramping up or winding down,
our flexible funding solutions are there to support almost any business need.

Apply for up to $500K and enjoy a fast decision and funding is possible in just 24 hours. Plus, for a limited time you can choose to delay your repayments for the first 8 weeks to get a bit of a breather up front (loan term will be extended and interest will accrue from the settlement date to the end of the term).

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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
  • Minimum $6K monthly turnover and 6 months trading to apply
Learn more
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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
  • Minimum $700K annual turnover and 3 years trading to apply
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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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Check if you qualify

Monthly turnover more than $6K? Trading for over 6 months? You can apply for up to $100K. Want more? Ask us how

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Apply in 10 minutes

Grab your driver licence and details about your business. Minimal paperwork to apply for up to $250K. Want more? Just ask how

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Get on with business

Delay repayments for the first 8 weeks if you wish so you can focus on what you love about your business! We’ve got your back

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 offer available to new and existing customers on a new or refinanced Prospa Small Business Loan or Prospa Plus Business Loan that is approved and settled between 25 October and 31 December 2021 (inclusive). Approved customers can elect to take an optional initial no repayment period of between 1 to 8 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 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 to refinance an existing Prospa loan that is within a no repayment period at the time of application, or in conjunction with any other Prospa offer. Offer may be withdrawn without notice. Standard credit approval criteria, fees, terms and conditions apply.