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Investment

All ⁶
Growing your business ³
Manage your finances ²
Day to day hustle ¹

01 Jul 2025

Manage your finances
Investment

How to claim the 20% NZ Investment Boost for business assets

01 Jul 2025

17 Nov 2022

Manage your finances
Finance
Investment
Line of credit
Small business loan

How to choose a lending product

17 Nov 2022

01 Oct 2020

Growing your business
Cash flow
COVID-19
Finance
Future-proofing
Investment
Marketing

5 tips for making smart investments in uncertain times

01 Oct 2020

06 Dec 2019

How you can use new tax changes to fuel innovation | Prospa NZ

Day to day hustle
Growth
Investment
Tax

How you can use recent tax changes to fuel innovation

06 Dec 2019

13 Aug 2019

9 investments to help your small business grow

Growing your business
Investment
Marketing
Outsourcing

9 things you can invest in to speed up small business growth

13 Aug 2019

03 May 2019

All
Growing your business
Expansion
Investment
New Zealand small business
Small business growth

4 things to consider when investing in your small business

03 May 2019

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

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Inside Prospa

Investment

How to claim the 20% NZ Investment Boost for business assets

How to choose a lending product

5 tips for making smart investments in uncertain times

How you can use recent tax changes to fuel innovation

9 things you can invest in to speed up small business growth

4 things to consider when investing in your small business

Prospa Small Business Loan

Prospa Business Loan Plus

Prospa Line of Credit

Prospa
Small Business Loan

Prospa
Business Loan Plus

Prospa
Line of Credit