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Growth

All ¹⁷
Small business inspiration ⁶
Manage your finances ⁵
Growing your business ³
Day to day hustle ³

15 May 2025

Manage your finances
Growth
Retail business strategies

Retail business strategies every NZ store owner should know

15 May 2025

01 Apr 2022

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

16 Aug 2021

Growing your business
Digital marketing
Growth
Marketing

4 business growth strategies

16 Aug 2021

08 Feb 2021

Manage your finances
Capital
Cash flow
Growth
Small business loan

Business finance: The old ways of borrowing vs today

08 Feb 2021

15 Dec 2020

Growing your business
Business partnership
Growth
Marketing
Product development

Big, bold moves Kiwi small business owners have made in 2020

15 Dec 2020

24 Jul 2020

5 COVID-19 lockdown lessons from NZ small business owners | Prospa NZ

Day to day hustle
Cash flow
COVID-19
Growth
Inspiration
Supply chain

5 important COVID-19 lockdown lessons from small business owners

24 Jul 2020

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 $500K

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

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

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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Business Details

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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.

Business Details

Contact information

Search by NZBN or legal trading name:

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.

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Last name ^{*required field}

Phone number ^{*required field}

Email address ^{*required field}

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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

What can we assist with?

Business Loan

Line of Credit

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Categories

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Inside Prospa

Growth

Retail business strategies every NZ store owner should know

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

4 business growth strategies

Business finance: The old ways of borrowing vs today

Big, bold moves Kiwi small business owners have made in 2020

5 important COVID-19 lockdown lessons from 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