Solve end of year challenges with fast access to funds

Things can get busy in the lead up to the end of the year, so why not access some additional funding to support your business?

  • Flexible solutions up to $500K to suit your business needs
  • Simple application and funding possible in hours
  • No asset security required upfront to access Prospa funding up to $150K

3 in 5 small business have seen an increase in supply chain costs

The primary impacts of current economics are on the supply chain and labour costs* – with 3 in 5 small businesses needing to invest in their business to generate cashflow. With the end of year rush – overcome these challenges with additional funding support.

Managing cash flow

A Prospa Line of Credit offers a cash flow safety net to dip into when required and you only pay interest on the funds used.

Staffing challenges

Use funds to hire extra casuals in the lead up to end of year, or invest in opportunities to upskill existing staff during a quiet January.

Managing stock levels

Use funds to hire extra casuals in the lead up to end of year, or invest in opportunities to upskill existing staff during a quiet January.

Already a Prospa customer?

Already a Prospa customer?

We know you, so it's quicker and easier to apply for funding when you log in to your Prospa account.
Log in to apply.

We know you, so it's quicker and easier to apply for funding when you log in to your Prospa account.
Log in to apply.

Prospa App
Prospa App

Business Line of Credit

Get ongoing access to a safety net of funds between $2K and $150K, and only pay interest on the funds you use. Ideal for managing cashflow and unexpected expenses.
  • Renewable 24 month term
  • Apply in 10 minutes with minimal paperwork
  • No upfront security required to access up to $150K in Prospa funding

Small Business Loan

Borrow a lump sum of between $5K and $500K over a fixed term of up to 36 months. Great for buying extra stock or equipment, hiring casual staff or covering unexpected expenses.
  • Fast decision with funding possible in hours
  • Fixed repayments to help with budgeting
  • No upfront security required to access up to 
$150K in Prospa funding

Easy application

Apply online in under 10 minutes with minimal paperwork.

Flexible terms

We offer repayment terms of 3 - 36 months, with the freedom to pay out your loan early and save on interest

Custom pricing

Our rate is determined by how much you're borrowing, the size of your business and credit score.

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*RFI NZ SME Banking Council - prepared for Prospa, May 2023.