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Prospa Small Business Loan

All ⁷
Growing your business ⁴
Manage your finances ³

11 Dec 2025

Carpenter on phone using laptop in workshop

Growing your business
Cash flow
Guide
Prospa Business Loan Plus
Prospa Small Business Loan

How to get a Business Loan: Eligibility & Requirements

11 Dec 2025

11 Nov 2025

Growing your business
Cash flow
Guide
Prospa Business Line of Credit
Prospa Small Business Loan

Your guide to small business cash flow lending

11 Nov 2025

10 Oct 2025

Growing your business
Manage your finances
Business loan no guarantor
Business planning
Finance
Guarantor on a business loan
Guide
Personal guarantee on business loan
Prospa Small Business Loan

What is a Personal Guarantee on a Business Loan?

10 Oct 2025

16 Sep 2025

Growing your business
Manage your finances
Finance
Guide
Prospa Small Business Loan

How to minimise risk on your next business loan

16 Sep 2025

22 Aug 2025

Manage your finances
Cash flow
Guide
Prospa Small Business Loan

What is the real cost of a small business loan? Fees, interest and charges explained

22 Aug 2025

08 Apr 2024

News
Innovation
Lending products
Prospa Business Line of Credit
Prospa Small Business Loan
Small business finance

How I work with Prospa to help my clients grow

08 Apr 2024

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

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.

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.

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

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

Loan Details

Personal Details

Search by NZBN or legal trading name: ^{*required field}

Industry ^{*required field}

Type of business ^{*required field}

Has your business been trading for more than 6 months? ^{*required field}

Yes

Are you the business owner or director? ^{*required field}

Yes

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

Monthly revenue ^{*required field}

How much are you looking for? ^{*required field}

How will you use the funds? ^{*required field}

Do you have tax debt? ^{*required field}

Yes

Total tax debt amount

Back

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

Back

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

First name ^{*required field}

Last name ^{*required field}

Email ^{*required field}

Phone ^{*required field}

Date of birth ^{*required field}

What is your residency status? ^{*required field}

Citizen

Permanent Resident

Neither

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.

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

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

Loan Details

Personal Details

Search by NZBN or legal trading name: ^{*required field}

Industry ^{*required field}

Type of business ^{*required field}

Has your business been trading for more than 6 months? ^{*required field}

Yes

Are you the business owner or director? ^{*required field}

Yes

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

Monthly revenue ^{*required field}

How much are you looking for? ^{*required field}

How will you use the funds? ^{*required field}

Do you have tax debt? ^{*required field}

Yes

Total tax debt amount

Back

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

Back

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

First name ^{*required field}

Last name ^{*required field}

Email ^{*required field}

Phone ^{*required field}

Date of birth ^{*required field}

What is your residency status? ^{*required field}

Citizen

Permanent Resident

Neither

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}

New

Existing

First name ^{*required field}

Last name ^{*required field}

Phone number ^{*required field}

Email address ^{*required field}

How can we help? ^{*required field}

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:

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.

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.

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.

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

I have a general question

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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

Download the Prospa App

Lending

Products

Small Business Loan

Business Loan Plus

Business Line of Credit

Compare & calculate

Compare business loans

Repayment calculator

Payments

Make and take payments

Bill Pay

Manage finances

Connect to Xero

Prospa App

Partner

Partner with us

Why partner with Prospa?

Partner login

Meet the Team

Partner registration

Partner resources

Partner articles

Resources

About Prospa

About

Careers

Get support

Get in touch

FAQ

Blog & news

Blog

News

Log in

Are you a Prospa customer or a partner?

Log in as a customer

Log in as a partner

Get started

Categories

Content types

Topics

Industries

Prospa solutions

Partner blog

Inside Prospa

Prospa Small Business Loan

How to get a Business Loan: Eligibility & Requirements

Your guide to small business cash flow lending

What is a Personal Guarantee on a Business Loan?

How to minimise risk on your next business loan

What is the real cost of a small business loan? Fees, interest and charges explained

How I work with Prospa to help my clients grow

Prospa Small Business Loan

Prospa Business Loan Plus

Prospa Line of Credit

Prospa
Small Business Loan

Prospa
Business Loan Plus

Prospa
Line of Credit