Gavin Geraghty
10 Feb 2026
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Which product are you interested in?
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
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 5 years
Up to 5 years
2 years, with option to renew
Up to 5 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
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
Contact information
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 DetailsContact information
Contact information
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 DetailsLoan DetailsPersonal Details
Loan DetailsPersonal Details
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 DetailsLoan DetailsPersonal Details
Loan DetailsPersonal Details
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
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 DetailsContact information
Contact information
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 DetailsContact information
Contact information
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 funding, made simple
Get started online in just a few steps.
Prefer to talk it through? Call 0800 005 797.
Prefer to talk it through? Call 0800 005 797.
Choose a funding option: