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Cash flow

All ⁴³
Manage your finances ²⁸
Growing your business ⁶
Small business inspiration ⁶
Day to day hustle ³

08 May 2025

Manage your finances
Cash flow
Hospitality

Turn cash flow pressure into profit in your hospitality business

08 May 2025

31 Mar 2025

Manage your finances
Cash flow

Cash flow forecasting for small businesses made simple: Free template included

31 Mar 2025

11 Nov 2024

Manage your finances
Cash flow

Stay ahead of the curve with a cash reserve

11 Nov 2024

04 Nov 2024

Manage your finances
Cash flow

Beat the year-end squeeze with these 7 cash flow tips

04 Nov 2024

31 Jan 2024

Manage your finances
Cash flow
End of financial year
Finance
Financial management
Tax expenses
Tax time

Prepaying expenses before tax time

31 Jan 2024

01 Dec 2023

Manage your finances
Cash flow
Cash flow forecast
Cash flow management tools
Profit and loss projection

Tools and tips for cash flow management

01 Dec 2023

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.

FSP663891 | NZBN 9429046731678

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Categories

Content types

Topics

Industries

Prospa solutions

Partner blog

Inside Prospa

Cash flow

Turn cash flow pressure into profit in your hospitality business

Cash flow forecasting for small businesses made simple: Free template included

Stay ahead of the curve with a cash reserve

Beat the year-end squeeze with these 7 cash flow tips

Prepaying expenses before tax time

Tools and tips for cash flow management

Prospa Small Business Loan

Prospa Business Loan Plus

Prospa Line of Credit

Prospa
Small Business Loan

Prospa
Business Loan Plus

Prospa
Line of Credit