Business Loans

Get fast access to business finance to support your cash flow and business growth.

  • Borrow from $5K to $500K
  • 12 – 36 month loan terms
  • Funding possible in 24 hours
  • No property security required upfront to access Prospa funding up to $150K

Apply now Talk to a specialist
Trustpilot
Trustpilot

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
01

Apply online in under 10 minutes

For a loan, you'll need your recent trading figures to refer to, business bank account & driver licence details.
02

Get a same-day decision

Apply for a loan and you'll get a decision within a business day - often just a few hours. We'll reach out to explain the process and answer any questions you have.
03

Access your funds

Once your loan is approved, the fund are automatically transferred and could be in your account as soon as the next business day.
01

Apply online in under 10 minutes

For a loan, you'll need your recent trading figures to refer to, business bank account & driver licence details.
02

Get a same-day decision

Apply for a loan and you'll get a decision within a business day - often just a few hours. We'll reach out to explain the process and answer any questions you have.
03

Access your funds

Once your loan is approved, the fund are automatically transferred and could be in your account as soon as the next business day.

A team of Business Lending Specialists

We'll work with you to get the funds you need with same day decision and funding possible in hours.
Get started

Why Prospa?

We’re here to help make business happen with lending products designed to fund growth and support cash flow.

Flexibility

Fast application and decision, and funding possible in 24 hours on flexible options up to $500,000.

Support

A dedicated Business Lending Specialist will get to know you and your business and provide a personalised solution.

Confidence

Join thousands of Kiwi small businesses who thrive with the support of New Zealand’s small 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

Talk to a business lending specialist

Get in touch

How our customers have put their funds to work

Read Customer Stories
Jason Goodson
Backyard Roadies
"There was a point where I probably would have lost the business but the loan saved me.”
Kerri Murphy
Twisted Willow Florist
"I was able to secure my small business loan quickly, keep the store fresh and new for my customers, and get cracking on growing the business.”
John Lennox
Sofa Doctor
“We needed quick access to finance, and with Prospa everything was completed in 48 hours, which made it very easy for us to make that move.”

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Awards, thanks to your support

It’s nice to know we’re doing something right

Year Award Category
2023 FINNIES Fintech Australia Awards Winner, Excellence in Business Lending
2023 LinkedIn Talent Awards Winner, Best Employer Brand
2021 FinanceAsia Achievement Awards Winner, Most Innovative Deal
2022 New Zealand Mortgage Awards Excellence Awardee, Best Non-Bank BDM
2022 New Zealand Mortgage Awards Excellence Awardee, NZ Non-Bank of the Year

See more awards