Limited time offer: No repayments and no interest on business loans for the first 4 weeks. T&Cs. Apply now.

Fast Business Loans

Get quick access to finance and grow your business. Our fast business loan online application takes as little as 10 minutes, you get a quick decision and, if approved, funding is possible in hours

  • Apply online in under 10 minutes
  • Funding options up to $500,000
  • Fast decision and funding possible in 24 hours
  • No asset security required upfront to access Prospa funding up to $150,000

Fast business loans

We are New Zealand’s #1 online lender supporting small businesses with fast business loans and approval within the hour.

As a client focused lender, Prospa puts the prosperity of your business first.

Our fast business loans and friendly team of lending experts have helped us maintain a 4.9/5 TrustScore with our clients.

We have already helped thousands of Australian businesses achieve their dreams by financing fast business loans. If you are looking for the right lender to help you reach the next pivotal stage in your business development, then think Prospa and apply online today.

How can Prospa help your business?

Quick business finance designed for NZ small businesses

$5,000 and $500K over loan terms from 3 – 36 months could help you get your small business exactly where you’ve always wanted it to be.

As a client focused lender we won’t treat you like the big banks.

Our friendly team of Business Lending Specialists are here to answer any questions you might have and help you get the most from your small business loan. We develop cash flow friendly repayment terms ensuring we are always working with your business to help you get the most from your finance options.

Apply online today. Funding possible in 24 hours


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

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.

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


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.


Frequently asked questions

Prospa takes the hassle out of small business loans with a fast and easy application process. To qualify for a Prospa small business loan you need a turnover of $6K or more per month. Minimum trading history applies.

Our fast business loan online application form takes around 10 minutes to complete. You’ll need to have on hand your driver licence, NZBN, some basic details about your business (like how long you’ve been in business, your business structure and turnover) and details of your trading business bank account. If you are applying for over $150,000 we’ll also need to see a few other financial statements like your profit & loss and cash flow.

It varies from borrower to borrower. Prospa fast business loans range from $5,000 to $500,000. Plus, with Prospa’s hassle-free business-friendly loan process, minimal documentation is required to apply for small business loan amounts of up to $150,000. Get your business finance online application done in as little as 10 minutes.

Many lenders require an asset to be used as security upfront when you take out a small business loan. This could be the asset you purchase or another asset, such as property you already own. If you aren’t purchasing an asset, your loan is for working capital, you just need a quick cash injection, or would just prefer to avoid the whole ‘security’ question, talk to Prospa about our fast business loan. There’s no security required to access up to $150,000.

Find out more about Prospa

Other questions? Talk to a specialist