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News

New Zealand SMEs are holding steady, but the pressure is real

Margins are tighter, confidence has dipped, and fuel costs are climbing fast. The latest survey of 512 NZ SMEs shows how small businesses are responding.

Young female business owner speaks on phone recording voice note

News

How to use AI to forecast cash flow and protect margins

Stop relying on last month's numbers. Learn how AI helps NZ small businesses forecast cash flow and protect margins. Free copy-paste prompts included.

Person working on a laptop at a kitchen counter, with wooden cabinetry and a coffee machine behind them.

News

A better online rating could drive more business growth in 2026

As EOFY approaches, now is the perfect time to review your online ratings and reputation to help drive trust and future growth.

Most recent

All posts

Most recent

News

New Zealand SMEs are holding steady, but the pressure is real

Margins are tighter, confidence has dipped, and fuel costs are climbing fast. The latest survey of 512 NZ SMEs shows how small businesses are responding.

News

How to use AI to forecast cash flow and protect margins

Stop relying on last month's numbers. Learn how AI helps NZ small businesses forecast cash flow and protect margins. Free copy-paste prompts included.

News

A better online rating could drive more business growth in 2026

As EOFY approaches, now is the perfect time to review your online ratings and reputation to help drive trust and future growth.

All posts

A simple guide to calculating tax deductions for home office expenses

15 February 2022

Manage your finances

The ultimate guide to claiming work-related vehicle expenses

17 January 2023

Manage your finances

4 tax time tips for small business owners

19 February 2024

What is a business line of credit?

We explain what a business line of credit is and how they can help small businesses bridge cash flow gaps, quiet periods, or stock purchases.

Check it out

Customer stories

Small business inspiration

Plans, permits and Prospa: How The Drawing Room is building a business with heart

Check it out

Tapping into resilience: How Hydra Plumbing built a dream business

Inside Prospa

Keep up to date with the latest news and happenings from inside Prospa, including the most recent product updates, feature improvements and strategic insights from our team of small business lending experts.

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Announcements

Prospa launches first SME lending app in New Zealand

2023 Prospa Local Business Hero named

Awards

Prospa named Best Employer Brand Winner  

Meet the mechanic driving his business to new levels of success

Manage your finances

Prepaying expenses before tax time

Manage your finances

Business tax deductions you might not know about

Manage your finances

Bookkeeper vs accountant: Which is best for small business?

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}

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

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Last name ^{*required field}

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

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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.

First name ^{*required field}

Last name ^{*required field}

Phone number ^{*required field}

Email address ^{*required field}

Back

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

Back

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}

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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.

First name ^{*required field}

Last name ^{*required field}

Phone number ^{*required field}

Email address ^{*required field}

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Anytime

Back

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

Back

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.

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

Back

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

Back

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.

Lending

Products

Small Business Loan

Business Line of Credit

Business Loan Plus

Compare & calculate

Compare business loans

Repayment calculator

Payments

Make and take payments

Bill Pay

Manage finances

Connect to Xero

Prospa App

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Why partner with Prospa?

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Meet the Team

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Inside Prospa

The Prospa Blog

New Zealand SMEs are holding steady, but the pressure is real

How to use AI to forecast cash flow and protect margins

A better online rating could drive more business growth in 2026

New Zealand SMEs are holding steady, but the pressure is real

How to use AI to forecast cash flow and protect margins

A better online rating could drive more business growth in 2026

A simple guide to calculating tax deductions for home office expenses

The ultimate guide to claiming work-related vehicle expenses

4 tax time tips for small business owners

What is a business line of credit?

Plans, permits and Prospa: How The Drawing Room is building a business with heart

Takacat

RW Design

Inside Prospa

Prospa launches first SME lending app in New Zealand

2023 Prospa Local Business Hero named

Prospa named Best Employer Brand Winner

Meet the mechanic driving his business to new levels of success

Prepaying expenses before tax time

Business tax deductions you might not know about

Bookkeeper vs accountant: Which is best for small business?

Prospa named Best Employer Brand Winner  