Ruly Zahri, Author at Prospa NZ | Page 2 of 30

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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.

09 Jul 2025

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16 Jun 2025

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16 Jun 2025

11 Jun 2025

Robin White and Rachel Horan, co-founders of RW Design, smiling while posing in front of a building site.

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Building and trade
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04 Jun 2025

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26 May 2025

Operating your business

What business loan terms really mean and how they affect your finance decisions

26 May 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

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

Apply now Read more

Apply now Read more

Apply now Read more

Apply now Read more

Apply now Read more

Apply now Read 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.

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}

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

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

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

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.

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}

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

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

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

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

No

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

Yes

No

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

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

No

Total tax debt amount

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

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

What would be the ideal time to contact you? ^{*required field}

10am - 1pm

1pm - 3pm

3pm - 6pm

Anytime

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

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

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

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

No

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

Yes

No

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

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

No

Total tax debt amount

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

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

What would be the ideal time to contact you? ^{*required field}

10am - 1pm

1pm - 3pm

3pm - 6pm

Anytime

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

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

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

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.

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

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

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: ^{*required field}

Monthly revenue ^{*required field}

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

Type of business ^{*required field}

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

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

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}

What would be the ideal time to contact you? ^{*required field}

10am - 1pm

1pm - 3pm

3pm - 6pm

Anytime

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

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

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

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: ^{*required field}

Monthly revenue ^{*required field}

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

Type of business ^{*required field}

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

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

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}

What would be the ideal time to contact you? ^{*required field}

10am - 1pm

1pm - 3pm

3pm - 6pm

Anytime

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

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

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

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?

I have a general question

Business funding, made simple

Get started online in just a few steps.
Prefer to talk it through? Call 0800 005 797.

Choose a funding option:

Business Loan

Lump sum funding for specific
business expenses

Line of Credit

Ongoing access to funds for
day‑to‑day cash flow

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