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Insights

All ³⁵
Announcements ⁹
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People ⁵
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05 Nov 2025

Insights
News

Prospa welcomes Labour's Future Fund idea

05 Nov 2025

28 Mar 2023

Insights

Insights from the New Zealand SME Banking Council

28 Mar 2023

23 Nov 2022

Insights

Prospa research shows small business sentiment positive despite a challenging year

23 Nov 2022

12 Apr 2022

Insights

Research shows small businesses struggle to access finance

12 Apr 2022

08 Mar 2022

Insights

Research unveils what what SMEs are looking for come EOFY

08 Mar 2022

03 Jun 2021

Insights
News

Prospa survey highlights the resilience and optimism of SMEs

03 Jun 2021

Prospa solutions

Prospa
Small Business Loan

Quick access $5K - $150K

Learn more

Prospa
Business Loan Plus

Larger loans $100K - $500K

Learn more

Prospa
Line of Credit

Ongoing access to funds up to $500K

Learn more

Get started

Which product are you interested in?

Apply for funds

Small business lending  to match your business needs

Open an account

A business transaction account to help you manage cash flow

Compare our products

Select Product #1

Small Business Loans
Business Loan Plus
Line of Credit

Select Product #2

Small Business Loans
Business Loan Plus
Line of Credit

Best for when you need

Fast access to funds

Funds for bigger plans

To build cash flow confidence

Fast access to funds

Funds for bigger plans

To build cash flow confidence

Eligibility

6 months minimum trading history applies
Over $6K monthly turnover
Active NZBN and valid driver’s licence
Good credit history

3 years minimum trading history applies
Over $6K monthly turnover
Active NZBN and valid driver’s licence
Good credit history

Minimum 2 years trading history
Over $6K monthly turnover
Active NZBN and valid driver’s licence
Good credit history

6 months minimum trading history applies
Over $6K monthly turnover
Active NZBN and valid driver’s licence
Good credit history

3 years minimum trading history applies
Over $6K monthly turnover
Active NZBN and valid driver’s licence
Good credit history

Minimum 2 years trading history
Over $6K monthly turnover
Active NZBN and valid driver’s licence
Good credit history

Asset security

No upfront property security for up to $150K in Prospa funding

Security may be required when accessing over $150K in Prospa funding

No upfront property security for up to $150K in Prospa funding

Security may be required when accessing over $150K in Prospa funding

No upfront property security for up to $150K in Prospa funding

Loan size

From $5K to $150K

From $150K to $500K

From $2K to $500K

From $5K to $150K

From $150K to $500K

From $2K to $500K

Loan term

Up to 3 years

Up to 5 years

2 years, with option to renew

Up to 3 years

Up to 5 years

2 years, with option to renew

Interest

Fixed interest rate

Both products do not require Asset security Interest calculated on the funds you use, not on the limit.

Fixed interest rate

Both products do not require Asset security Interest calculated on the funds you use, not on the limit.

Payments structure

Receive your full loan amount as a lump sum

Use and reuse as often as you like during 24 month renewable term

Receive your full loan amount as a lump sum

Use and reuse as often as you like during 24 month renewable term

Repayment frequency

Weekly

Both products are repaid weekly Only pay interest on what you use + weekly service fee 0.046%

Weekly

Both products are repaid weekly Only pay interest on what you use + weekly service fee 0.046%

Online access

Prospa App and Prospa Online

Both products can be accessed through the Prospa App and Prospa Online

Prospa App and Prospa Online

Both products can be accessed through the Prospa App and Prospa Online

Dedicated lending specialist

Yes

Visa debit card not available Yes

Yes

Visa debit card not available Yes

Visa debit card

Dedicated lending specialist not available No

Apply now Read more

Apply nowRead more

Check your eligibility

Our lending specialists are available to assist you at any stage of this process.

If you’d like to speak with someone now, call 0800 005 797

Check your eligibility

Our lending specialists are available to assist you at any stage of this process.

If you’d like to speak with someone now, call 0800 005 797

Business Details

Contact information

Search by NZBN or legal trading name:

Industry ^{*required field}

How much are you looking for? ^{*required field}

Monthly revenue ^{*required field}

How will you use the funds? ^{*required field}

By clicking continue I agree with Prospa's consent information and privacy policy.

First name ^{*required field}

Last name ^{*required field}

Phone number ^{*required field}

Email address ^{*required field}

Back

By clicking submit I agree with Prospa's consent information and privacy policy.

Back

By clicking submit I agree with Prospa's consent information and privacy policy.

Thank you for your interest. Our team will review your details and get in touch if you're eligible.

Check your eligibility

Our lending specialists are available to assist you at any stage of this process.

If you’d like to speak with someone now, call 0800 005 797

Check your eligibility

Our lending specialists are available to assist you at any stage of this process.

If you’d like to speak with someone now, call 0800 005 797

Business Details

Contact information

Search by NZBN or legal trading name:

Industry ^{*required field}

How much are you looking for? ^{*required field}

Monthly revenue ^{*required field}

How will you use the funds? ^{*required field}

By clicking continue I agree with Prospa's consent information and privacy policy.

First name ^{*required field}

Last name ^{*required field}

Phone number ^{*required field}

Email address ^{*required field}

Back

By clicking submit I agree with Prospa's consent information and privacy policy.

Back

By clicking submit I agree with Prospa's consent information and privacy policy.

Thank you for your interest. Our team will review your details and get in touch if you're eligible.

Check your eligibility

Our lending specialists are available to assist you at any stage of this process.

If you’d like to speak with someone now, call 0800 005 797

Check your eligibility

Our lending specialists are available to assist you at any stage of this process.

If you’d like to speak with someone now, call 0800 005 797

Check your eligibility

Our lending specialists are available to assist you at any stage of this process.

If you’d like to speak with someone now, call 0800 005 797

Business Details

Loan Details

Personal Details

Search by NZBN or legal trading name: ^{*required field}

Industry ^{*required field}

Type of business ^{*required field}

Has your business been trading for more than 6 months? ^{*required field}

Yes

Are you the business owner or director? ^{*required field}

Yes

By clicking continue I agree with Prospa's consent information and privacy policy.

Monthly revenue ^{*required field}

How much are you looking for? ^{*required field}

How will you use the funds? ^{*required field}

Do you have tax debt? ^{*required field}

Yes

Total tax debt amount

Back

By clicking continue I agree with Prospa's consent information and privacy policy.

Back

By clicking continue I agree with Prospa's consent information and privacy policy.

First name ^{*required field}

Last name ^{*required field}

Email ^{*required field}

Phone ^{*required field}

Date of birth ^{*required field}

What is your residency status? ^{*required field}

Citizen

Permanent Resident

Neither

Back

By clicking submit I agree with Prospa's consent information and privacy policy.

Back

By clicking submit I agree with Prospa's consent information and privacy policy.

Thank you for your interest. Our team will review your details and get in touch if you're eligible.

Check your eligibility

Our lending specialists are available to assist you at any stage of this process.

If you’d like to speak with someone now, call 0800 005 797

Check your eligibility

Our lending specialists are available to assist you at any stage of this process.

If you’d like to speak with someone now, call 0800 005 797

Check your eligibility

Our lending specialists are available to assist you at any stage of this process.

If you’d like to speak with someone now, call 0800 005 797

Business Details

Loan Details

Personal Details

Search by NZBN or legal trading name: ^{*required field}

Industry ^{*required field}

Type of business ^{*required field}

Has your business been trading for more than 6 months? ^{*required field}

Yes

Are you the business owner or director? ^{*required field}

Yes

By clicking continue I agree with Prospa's consent information and privacy policy.

Monthly revenue ^{*required field}

How much are you looking for? ^{*required field}

How will you use the funds? ^{*required field}

Do you have tax debt? ^{*required field}

Yes

Total tax debt amount

Back

By clicking continue I agree with Prospa's consent information and privacy policy.

Back

By clicking continue I agree with Prospa's consent information and privacy policy.

First name ^{*required field}

Last name ^{*required field}

Email ^{*required field}

Phone ^{*required field}

Date of birth ^{*required field}

What is your residency status? ^{*required field}

Citizen

Permanent Resident

Neither

Back

By clicking submit I agree with Prospa's consent information and privacy policy.

Back

By clicking submit I agree with Prospa's consent information and privacy policy.

Thank you for your interest. Our team will review your details and get in touch if you're eligible.

Talk to a specialist

Our lending specialists are usually in contact with you within the next 2 hours. Need an answer now?

Call us on 0800 005 797

Are you a new or existing customer? ^{*required field}

New

Existing

First name ^{*required field}

Last name ^{*required field}

Phone number ^{*required field}

Email address ^{*required field}

How can we help? ^{*required field}

By clicking submit I agree with Prospa's consent information and privacy policy.

Thanks for contacting us! We will get in touch with you shortly.

Talk to a specialist

Our lending specialists are usually in contact with you within the next 2 hours. Need an answer now?

Call us on 0800 005 797

We’ve received your details.

We’ll be in touch soon. In the meantime, get a head start with a few business questions.

Business Details

Contact information

Search by NZBN or legal trading name:

How much are you looking for? ^{*required field}

Monthly revenue ^{*required field}

How will you use the funds? ^{*required field}

By clicking continue I agree with Prospa's consent information and privacy policy.

First name ^{*required field}

Last name ^{*required field}

Phone number ^{*required field}

Email address ^{*required field}

Back

By clicking submit I agree with Prospa's consent information and privacy policy.

Back

By clicking submit I agree with Prospa's consent information and privacy policy.

Thanks for contacting us! We will get in touch with you shortly.

Talk to a specialist

Our lending specialists are usually in contact with you within the next 2 hours. Need an answer now?

Call us on 0800 005 797

We’ve received your details.

We’ll be in touch soon. In the meantime, get a head start with a few business questions.

Business Details

Contact information

Search by NZBN or legal trading name:

How much are you looking for? ^{*required field}

Monthly revenue ^{*required field}

How will you use the funds? ^{*required field}

By clicking continue I agree with Prospa's consent information and privacy policy.

First name ^{*required field}

Last name ^{*required field}

Phone number ^{*required field}

Email address ^{*required field}

Back

By clicking submit I agree with Prospa's consent information and privacy policy.

Back

By clicking submit I agree with Prospa's consent information and privacy policy.

Thanks for contacting us! We will get in touch with you shortly.

Talk to a specialist

Our lending specialists are usually in contact with you within the next 2 hours. Need an answer now?

Call us on 0800 005 797

What can we assist with?

Business Loan

Line of Credit

I have a general question

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Eligibility and approval is subject to standard credit assessment and not all amounts, term lengths or rates will be available to all applicants.

Fees, terms and conditions apply.

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Categories

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Topics

Industries

Prospa solutions

Partner blog

Inside Prospa

Insights

Prospa welcomes Labour's Future Fund idea

Insights from the New Zealand SME Banking Council

Prospa research shows small business sentiment positive despite a challenging year

Research shows small businesses struggle to access finance

Research unveils what what SMEs are looking for come EOFY

Prospa survey highlights the resilience and optimism of SMEs

Prospa Small Business Loan

Prospa Business Loan Plus

Prospa Line of Credit

Prospa
Small Business Loan

Prospa
Business Loan Plus

Prospa
Line of Credit