Same-Day Business Loans

More enterprises nowadays are looking for same-day decisions on business loans as they know the struggle of sustaining operations or getting the funds for a growth opportunity. There are times when you need quick access to cash to make ends meet or to further improve what you’ve established over the years. With this, seeking out convenient business finance from trusted institutions that focus on the needs of small businesses could benefit you in the long run.



Searching for solutions

If you’re a New Zealand business owner who’s been in the industry for decades, or perhaps someone trying to learn all the fundamental skills in business, then you have likely experienced how challenging it can be to get access to same-day business loans decisions. If that’s the case, then you probably want an option that will provide you with enough working capital and a fast turnaround. But before you choose a small business loan, it’s important you understand how to get a business loan.

Prospa is one of New Zealand’s most committed small business money lenders, with the options and expertise you’re looking for. We want nothing more than to make the process of taking out a business loan hassle-free, and with our paperless loan application, funds can be in your account in as little as 24 hours after approval.



Fast business loans for New Zealand businesses

When it comes to same-day business loans, Prospa may be able to help. Not only does the application take as little as 10 minutes, we can give you a quick decision with funding possible in 24 hours of approval. We also pride ourselves on having a friendly team of finance experts, that really get to know you and your business. You can rest easy knowing that we have funded countless businesses and helped them achieve their growth plans or support their cash flow.

Want to learn more about the business loan options available at Prospa? Click here to read further.



Adapting to the new normal

It goes without saying that the COVID-19 pandemic affected New Zealand businesses quite dramatically – but there’s a renewed sense of excitement for the future. That’s why when the owner of the small business Sofa Doctor requested another loan, we reviewed his current situation right away and approved his application. Despite the new demands in the market, his business has recently experienced substantial growth supported by the appropriate amount of funds from Prospa.

Business loans with no upfront security for funding up to $150K: Prospa loan specifics


When applying for a same-day business loan from Prospa, you’ll receive our exclusive advantages:

  • Interest rates determined based on your business circumstances. When you make a request for our fast access business loans ranging from $5,000 to $150,000, our team of finance experts will analyse your unique situation and determine the interest rate which will apply to your loan based on your intended loan use, type of enterprise, and a number of other factors.
  • Repayments determined upfront. If you take out a Prospa Small Business Loan, you can enjoy terms up to 36 months – with fixed repayments so you know where you stand each week.

Considering these terms and conditions, it isn’t difficult to see why more and more NZ small businesses are taking advantage of our fast decision online business loans. Visit our website and apply now to find out what efficient lending looks like.



The versatility that comes with our loans for new businesses

Whether you want to expand your business or lay down a stable foundation to support cash flow, our same-day business loans decisions will help you have the confidence to tackle any challenge. From purchasing tools and equipment, paying staff, doing a renovation or paying suppliers, you can use the funds to cover almost any work-related expense you would like to prioritise.



Business loan requirements NZ

There are a number of eligibility requirements for our small business funding options. All you have to do is ensure that you are:

  • aged 18 or older
  • a resident here in New Zealand
  • Minimum trading history applies.

Lastly, you must be generating a minimum monthly turnover of $6K.

If you meet all these criteria, then you can get started today!

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.

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



At Prospa, you can apply online for a loan amount from $5,000 to $150,000. Regardless of the amount you borrow, you’d be delighted to know that you won’t need to provide asset security up front to access Prospa funding up to $150K.

Being able to provide a same-day decision on business loans doesn’t have to mean inflated fees and charges. At Prospa, we don’t believe in penalising our customers for wanting fast access to working capital, which is why funding on our business loans is possible in just 24 hours, without added fees or charges. Our team of finance experts takes the time to run a comprehensive background check and looks at the health of your business as a standard part of the approval process.

For flexible and hands-on lending, browse the Prospa online platform and apply today!

Other questions? Talk to a specialist