How it Works

How it Works

Business loans without painful paperwork or waiting in queues

Easy application

Apply in 10 minutes with no paperwork. Get started online, or call us on 0800 005 797

Fast approval

A quick call will give us the information we need to qualify you.

Funding possible in 24 hours

Once approved, you could have the funds in your account in 24 hours.

What you need to have ready

For loans up to $150,000

  • Identification details (valid Driver Licence number)
  • Details about your business (including your NZBN and trading time)
  • Details of your main trading account and 6 months of latest bank statements

For loans over $150,000

  • Some additional basic financial statements (like a P&L, aged payables and receivables).

The Prospa Small Business Loan

Advanced security

We use industry-recognised encryption standards and we’re ISO 27001 certified for our commitment to customer privacy.

Trusted by over 24,000+ businesses

We’ve already helped thousands of small businesses access the funds they need to grow.

World-class customer satisfaction

We’re backed by a Net Promoter Score of +77 and are ranked #1 in the money category on Australian independent review site, Trustpilot.

Over $1.05 billion (A$1 billion) in small business loans

We’ve supported small businesses with more than $1.05 billion (A$1 billion) and counting.