Small Business Finance

Small business finance

We’re Prospa, the small business lending specialist. As Australia’s #1 favourite small business lender we provide small business finance to thousands of businesses. Our client-focused approach to small business finance and lending has led us to offering life-changing funds which have helped to grow and expand businesses just like yours. As an award-winning market leader, we have built and maintained a 4.9/5 TrustScore by developing strong trust with our client base who have discovered the difference between lending with the big banks and the support Prospa’s lending experts have to offer which help your business to really succeed.

Prospa Small Business Loan

Borrow from $5K up to $100K as a lump sum over a fixed term of up to 36 months.
Minimum $6K monthly turnover and minimum trading history to apply.
Great for managing cash flow, buying stock and equipment, or covering unexpected expenses.

Get started

Prospa Business Loan Plus

Borrow from $100K up to $500K as a lump sum over a fixed term of up to 36 months.
Minimum $1 million annual turnover and 3 years trading to apply.
Often used for funding growth, renovations and refits, or equipment purchases.

Get started

Prospa Business Line of Credit

Get ongoing access to funds up to $150K and only pay interest on the funds you use.
Minimum $6K monthly turnover and minimum trading history to apply.
Ideal for managing cashflow and unexpected expenses.

Get started

Prospa Small Business Loan

Borrow from $5K up to $100K as a lump sum over a fixed term of up to 36 months.
Minimum $6K monthly turnover and minimum trading history to apply.
Great for managing cash flow, buying stock and equipment, or covering unexpected expenses.

Get started

Prospa Business Loan Plus

Borrow from $100K up to $500K as a lump sum over a fixed term of up to 36 months.
Minimum $1 million annual turnover and 3 years trading to apply.
Often used for funding growth, renovations and refits, or equipment purchases.

Get started

Prospa Business Line of Credit

Get ongoing access to funds up to $150K and only pay interest on the funds you use.
Minimum $6K monthly turnover and minimum trading history to apply.
Ideal for managing cashflow and unexpected expenses.

Get started

Why Prospa is the big difference in small business finance.

Prospa is here to help you get the most from your small business. We have helped all sort of businesses achieve all kinds of goals from renovations and capital investments to rebranding and advertising campaigns.

Retail
Hospitality
Professional and consultancy services
Health practices
Wholesalers
Trades
Hair & Beauty specialists
Franchises

A loan for small businesses is available from $5,000 to $500,000 and for any loan up to $150,000 there is no security needed to access the funds, which means that if you don’t have assets then you can still prosper with Prospa. Short terms loans are available on terms from 3 to 36 months and looking out for the small business, Prospa doesn’t penalise you for early payouts and your lending specialist will ensure that repayment terms are cash flow friendly.

Start your application now with a 10 minute online form. Approval is usually received within an hour and once approved your new funds are transferred within 24 hours or the next business day. We make small business finance quick and easy.

Start your application process today with a fast and easy online application. Let us help you secure prosperity.

Why Prospa?

No more compromising or missed opportunities with Prospa by your side. Access funds for growth and cash flow support in a fraction of the time and without all the fuss. It’s just what we do.
We’re New Zealand’s small business lending specialist.