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Marketing

All ²¹
Growing your business ¹³
Day to day hustle ⁴
Manage your finances ³
Small business inspiration ¹

10 Aug 2023

Growing your business
Marketing

“I wish someone had told me that”: Holly Royal

10 Aug 2023

07 Dec 2022

Growing your business
Commerce
Growth tactics
Loyalty
Marketing
Retail
Sales

How small retailers can apply big growth advice

07 Dec 2022

25 Oct 2022

Day to day hustle
Facebook Reels
Instagram Reels
Marketing
Social media marketing
Social video
TikTok

How to improve your social media marketing for video

25 Oct 2022

17 Jun 2022

Growing your business
Customer engagement
Fashion
Marketing
Recruitment
Social impact

The power of purpose: inside the growth of a fashion social enterprise

17 Jun 2022

12 Apr 2022

Day to day hustle
Manage your finances
Email marketing
Hair salon
Marketing
Packaging supplies
Worker shortages

How this retailer and hair salon has adapted to supply chain challenges

12 Apr 2022

15 Mar 2022

Growing your business
Community
Instagram
Marketing
Social Media

Skating to social media marketing success

15 Mar 2022

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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Categories

Content types

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Partner blog

Inside Prospa

Marketing

“I wish someone had told me that”: Holly Royal

How small retailers can apply big growth advice

How to improve your social media marketing for video

The power of purpose: inside the growth of a fashion social enterprise

How this retailer and hair salon has adapted to supply chain challenges

Skating to social media marketing success

Prospa Small Business Loan

Prospa Business Loan Plus

Prospa Line of Credit

Prospa
Small Business Loan

Prospa
Business Loan Plus

Prospa
Line of Credit