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Ruly Zahri

Ruly Zahri is a Digital Content Specialist at Prospa, where he covers the latest trends in social media strategies and blog content to enhance the company's online presence and drive marketing success.

18 May 2022

NZ Cash rate 2
  • Manage your finances
  • Cash flow
  • Fixed rate
  • Flexible rate
  • Interest rates

How small businesses are responding to cash rate changes

18 May 2022

03 May 2022

LBH 2022
  • Growing your business
  • Cashflow
  • Staffing

Meet the 2022 Prospa Local Business Hero finalists

03 May 2022

12 Apr 2022

Supply Chain NZ
  • Day to day hustle
  • Manage your finances
  • Email marketing
  • Hair salon
  • Marketing
  • Packaging supplies
  • Worker shortages

How this retailer and hair salon has adapted to supply chain challenges

12 Apr 2022

01 Apr 2022

Mate
  • Manage your finances
  • Small business inspiration
  • Business finance
  • Cash flow
  • Community
  • Growth
  • Small business loan
  • Video

How Prospa helped the newly-wed owners of a fruit picking business to thrive

01 Apr 2022

29 Mar 2022

Sole trader to limited company
  • Growing your business
  • Business growth
  • Growing
  • Hiring
  • Limited liability company
  • Sole trader
  • Tax

An accountant’s guide: Transitioning from a sole trader to a limited company

29 Mar 2022

15 Mar 2022

Skating to social media success
  • Growing your business
  • Community
  • Instagram
  • Marketing
  • Social Media

Skating to social media marketing success

15 Mar 2022

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Select Product #1
  • Small Business Loans
  • Business Loan Plus
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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
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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Apply nowRead more
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    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.
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      Thanks for contacting us! We will get in touch with you shortly.

      Talk to a specialist

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      Call us on 0800 005 797

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      Home Blog Author: Ruly Zahri Page 15
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