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A curated collection of content for our partners

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The Prospa Blog

Manage your finances
Growing your business
Day to day hustle
Small business inspiration

11 Jun 2025

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

Small business inspiration

Building dreams: How RW Design is nailing renovations with Prospa’s support

11 Jun 2025

04 Jun 2025

Small business owner unloading van representing business growth

Manage your finances

Lease vs buy business equipment in NZ: What small businesses need to know

04 Jun 2025

26 May 2025

Operating your business

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

26 May 2025

15 May 2025

Manage your finances
Growth
Retail business strategies

Retail business strategies every NZ store owner should know

15 May 2025

08 May 2025

Manage your finances
Cash flow
Hospitality

Turn cash flow pressure into profit in your hospitality business

08 May 2025

28 Apr 2025

Growing your business
Boost sales
Mother's day sales
Mothers day deal

Boost sales this Mother’s Day: 5 proven tactics for small business owners

28 Apr 2025

Prospa solutions

Prospa
Small Business Loan

Quick access $5K - $150K

Learn more

Prospa
Business Loan Plus

Larger loans $100K - $500K

Learn more

Prospa
Line of Credit

Ongoing access to funds up to $150K

Learn more

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

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

Both products do not require Asset security Interest calculated on the funds you use, not on the limit.

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

Use and reuse as often as you like during 24 month renewable term

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

Both products are repaid weekly Only pay interest on what you use + weekly service fee 0.046%

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

Both products can be accessed through the 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

Visa debit card not available Yes

Yes

Visa debit card not available Yes

Visa debit card

Dedicated lending specialist not available No

Apply now Read more

Apply nowRead more

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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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Content types

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Prospa solutions

Partner blog

Inside Prospa

The Prospa Blog

Building dreams: How RW Design is nailing renovations with Prospa’s support

Lease vs buy business equipment in NZ: What small businesses need to know

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

Retail business strategies every NZ store owner should know

Turn cash flow pressure into profit in your hospitality business

Boost sales this Mother’s Day: 5 proven tactics for small business owners

Prospa Small Business Loan

Prospa Business Loan Plus

Prospa Line of Credit

Prospa
Small Business Loan

Prospa
Business Loan Plus

Prospa
Line of Credit