Out with the old,
in with Prospa

New Zealand's small business lending specialist

Now with no repayments on business loans
for the first 8 weeks

It's today's way to borrow!


Apply now Talk to a specialist

Things you should know

Today’s way to borrow

Prospa offers a no-nonsense approach to business funding – with business loans of up to $300,000 available to support any plans or opportunities that arise for your business in 2021.

Say haere rā to tedious forms. Kiss good bye to drawn-out processes. We know every moment counts, so we can arrange funding in as little as 24 hours. Yep, that’s right, by choosing Prospa you may never need to dip into your personal finances again (or borrow from your rich uncle).

It’s simple, it’s hassle-free, it’s today’s way to borrow.
(Plus check out our latest customer offer below.)

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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 discount.

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

Our GREAT customer offer is BACK

Apply for a business loan today and, if approved,
you can choose to make no repayments for the first 8 weeks.

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). Offer ends 31 March. T&Cs apply.

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 customers on a new or refinanced Prospa Small Business Loan that is approved and settled between 1 February 2021 and 31 March 2021 (inclusive). Eligible 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 Small Business Loan if the existing loan is currently 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. FSP663891.