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Francesco Solfrini

Francesco Solfrini is a finance content strategist and small business owner who partners with leading fintechs and lenders across Australia and beyond. His work covers everything from small business finance, lending and payments to private credit and crypto. He turns complex topics into clear, practical insights to help business owners make smarter money decisions.

01 Jul 2025

  • Manage your finances
  • Investment

How to claim the 20% NZ Investment Boost for business assets

01 Jul 2025

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
  • 6 months 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
  • 6 months 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
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
Fixed interest rate
Both products do not require Asset security Interest calculated on the funds you use, not on the limit.
Fixed interest rate
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
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
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
Weekly
Both products are repaid weekly Only pay interest on what you use + weekly service fee 0.046%
Weekly
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
Prospa App and Prospa Online
Both products can be accessed through the Prospa App and Prospa Online
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
Yes
Visa debit card not available Yes
Yes
Yes
Visa debit card not available Yes
Visa debit card
No
No
Dedicated lending specialist not available No
No
No
Dedicated lending specialist not available No
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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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