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Small business lending  to match your business needs

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A business transaction account to help you manage cash flow

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Prospa Business Line of Credit
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Best for when you need

Ongoing access to cash, for example to manage seasonal fluctuations, cover supplier invoices, manage late paying customers and more.

Quick access to a lump sum of cash to cover larger costs such as unexpected expenses, upgrading facilities or equipment, or purchasing stock upfront.

A larger lump sum of cash to cover bigger expenses such as moving or opening a second location, renovating premises, investing in bulk stock purchases, upgrading work vehicles and more.

Ongoing access to cash, for example to manage seasonal fluctuations, cover supplier invoices, manage late paying customers and more.

Quick access to a lump sum of cash to cover larger costs such as unexpected expenses, upgrading facilities or equipment, or purchasing stock upfront.

A larger lump sum of cash to cover bigger expenses such as moving or opening a second location, renovating premises, investing in bulk stock purchases, upgrading work vehicles and more.

Eligibility

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

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

Minimum $700K annual turnover
3 years trading history
Business financials for loans above $150K may be required
Active NZBN and valid driver’s licence
Good credit history

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

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

Minimum $700K annual turnover
3 years trading history
Business financials for loans above $150K may be required
Active NZBN and valid driver’s licence
Good credit history

Asset security