Restaurant Business Loans

If you’re interested in restaurant business loans, then you’re probably looking for an option that will give you the working capital to either begin your journey or perhaps further establish the business you’ve already built. You’re probably aware of how fast-paced the food industry is. Finding a lender with fast decision making and quick funding could make big difference. A short-term business loans is just one funding option which could help you with future business plans and fill in funding gaps along the way.

Get more flexibility with a business loan

Committing to a business loan might seem daunting at first, but with tonnes of offers available online it’s important you spend the time finding the right lender and loan for your needs. Don’t fret; restaurant owners all around New Zealand are faced with this dilemma as well. Finding restaurant financing options that provide more than just standard cash advance assistance isn’t always easy. When you’re looking for funding for your restaurant, consider things like payment terms, interest rates, and other types of fees.

Don’t have the time to deal with this tedious process? Well, the good news is Prospa is ranked #1 for non-bank finance companies in New Zealand on Trustpilot. You won’t need to spend hours looking for the perfect restaurant loan. If you’re eligible, we offer incredible business finance in just a few taps on your smart device. Applying online is easy, and you could avoid the long lines and lengthy paperwork often experienced at more traditional financial providers.

For more information about what we provide, click here and read further.

Here’s how it worked for one NZ restaurant business

When Alex Grant and his mother Iris Posa Baker & Son Catering were looking for funds to grow their business, they struggled with red tape and lengthy waits. They turned to Prospa for a Small Business Loan to support their company’s rapid growth.

“We found the whole process was very straightforward and the staff were amazing to deal with,” Alex says.

Hear more about Baker & Son’s story:

Full transparency at Prospa

We value your trust in us to provide you with the support you need. Aside from our flexibility and ability to provide simple restaurant financing, we promote responsible lending free of hidden fees. Moreover, as long as you make your repayments on time, there’s no compounding interest.

We also offer fixed loan terms. Our Prospa Small Business Loans have a set term of up to 24 months. This way, you can plan out your enterprise goals accordingly and maybe even take out another loan from us afterwards.

If you’re interested in our process and what we have to offer, apply now and turn your business dreams into a reality!

Loans for all businesses in Australia

At Prospa, you can keep taking out small business loans with no asset security required upfront or secured business loans so long as you’ve repaid your previous one. Know that all of our options are versatile so you can utilise them when there are delays, shortages, or a lack of cash flow. On the other hand, you can also invest and expand your business when progress has been plateauing.

Find out if you’re eligible for a restaurant business loan

Wondering what it takes to secure startup business loans for restaurants? It’s incredibly simple: our Prospa Small Business Loan only requires six months of trading experience and a $5,000 minimum monthly turnover. You’ll also have to be at least 18 years old and be a citizen or permanent resident in New Zealand with a valid NZBN/IRD.

Get started now and take advantage of any of our options!


"“With a small business loan, we’ve been able to expand our range of products and give our customers better service. Prospa don't realise it, but they are the best anti-wrinkle cream that you can possibly have.""

Sandy Urwin

Animal Natural Health Centre

Why Prospa? Because we support small business.

No more compromising or missed opportunities with Prospa by your side.
This time tomorrow you could have access to funds for growth and cash flow support.
It’s just what we do. We’re New Zealand’s small business lending specialist.



There are a number of uses for restaurant business loans. For instance, you can use them for restaurant equipment financing if you’re looking at upgrading. You could even use your loan to pay staff or suppliers, cover rental payments in quiet times, kick-start a marketing campaign or expand your business.

After choosing Prospa as your dedicated provider, you can receive a minimum amount of $5,000 to a maximum amount of $150,000 if you apply for our Small Business Loan. You could also borrow up to $500,000 with our Prospa Plus Business Loan. Or take out a Business Line of Credit up to $150,000 so you have funds on hand should you need them. Find out more here.

Apply now and talk to our lending specialists. They are more than happy to help you find a way to achieve your financial goals.

Talk to an expert today

If you’re ready to understand your borrowing options get started here, or call us at 0800 005 797 and a business lending specialist will help you with any questions.