Small Business Finance

Small business finance

Prospa, the leading small business lender in New Zealand, is here to empower your business. We are honoured to be recognized as NZ’s #1 online lender to small businesss, providing essential financial solutions to thousands of businesses.

Our client-centered approach to small business finance and lending has been instrumental in transforming businesses like yours. By offering fast access to funds, we have supported thousands of business owners to grow and expand their operations, and manage their cash flow.

As an award-winning market leader, we take immense pride in our consistent 4.9/5 TrustScore, a testament to the unwavering trust our clients place in us. The exceptional support that Prospa’s lending experts bring to the table make all the difference in helping your business thrive and succeed. This sets us apart in the world of small business lending.

The big difference in small business finance

Prospa is your partner in realising your small business dreams. We’ve helped a diverse range of businesses to achieve their business goals – from renovations and relocations to stock purchases and marketing campaigns. Whether you’re in retail, hospitality, professional services, healthcare, wholesaling, trades, hair & beauty or run a franchise, we’re here to support your journey.

Our small business loans are available from $5,000 to $500,000, and for loans up to $150,000, no collateral is required. We offer flexible loan terms of between 3 and 36 months with fixed repayments.

Applying is a breeze with a 10-minute process, and you can expect a fast decision and funding within hours. At Prospa, we streamline small business finance, making it quick and easy. It’s time to unlock your small business’s potential.

Your trusted source for business funding

We specialise in helping business owners get the right product for their needs. So if you are looking to compare business loans, we have you covered. Our business funding options suit most applications, so why not easy to explore the options available from Prospa before you discover what’s available from other business loan lenders and small business loan providers.

We know that every business is unique, and one size does not fit all. So whether you’ve only been operating for a short time, or you’re an established business seeking to expand, we have a solution to suit your needs.

For small businesses, finding the right financial support is crucial for growth and stability. Our funding options include specialised solutions designed to address the unique challenges faced by small businesses. Whether you require working capital, funds for new equipment or a line of credit to help you manage cash flow fluctuations, talk to Prospa.

At Prospa, we are committed to helping you overcome the challenges associated with running a business. We also understand that navigating the world of business loans can be daunting. That’s why we make the whole process easy, think fast applications with minimal paperwork, and knowing where you stand because you get a quick decision (often the same day). Sometimes it pays to compare business loans, but if you do, we’re sure Prospa’s complete focus on your small business will be the clincher. Talk to a business lending specialist to find the perfect loan to achieve your business goals.

There are small business loan providers and then there’s Prospa – New Zealand’s #1 online lender to small business.

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.


Borrow up to $500K with 10 minute application, fast decision and funding possible in 24 hours


Talk to real people. Business Lending Specialists who are focused on getting you what you need, sooner.


Thousands of small businesses
have borrowed from Prospa.
You could benefit too.

Talk to a business lending specialist

Talk to a business lending specialist

Talk to a business lending specialist

Talk to a business lending specialist

Talk to a business lending specialist

Customers making it happen with a Prospa loan

Read customer stories