Small Business Cash Flow Loan

Many small business owners know the challenge of starting or maintaining business operations – especially you don’t have capital to tap into when there’s a financial gap. This can make it difficult to keep up with ongoing expenses. Instead of holding your business back, securing funding with a small business cash flow loan could help you can keep your business moving forward. In the face of unforeseen circumstances, small business lending could help owners like you manage cash flow the way you want to without having to drain your personal budget or savings.



Support your small business with a simple loan application

If you’re keen on learning more about the small business loan scheme in NZ or you find yourself tirelessly searching for government interest-free loans online, then you might benefit from cash flow funding that is extremely convenient and client-friendly. However, with the abundance of available products out there, finding the right one for your business may seem like a daunting task. Not to worry; many people have been in your situation and have found great success with Prospa.

As one of New Zealand’s leading money lenders, we specialise in providing small businesses with funds to make their entrepreneurial dreams come true or just to support cash flow and keep the business moving. Our mission is to make the whole process of applying for funding online as easy as it can possibly be, and with our small business financing, it’s even possible to get funding in as little as 24 hours. Gone are the days when you would have to apply for initial capital and wait days or even weeks for a response. Simply apply online in as little as 10 minutes, get a quick decision and you could even have funds in your account the next day if approved.



A loan to meet your needs, when you need them

When it comes to a small business cash flow loan, we at Prospa are dedicated to helping businesses thrive. Applying for a small business loan at traditional bank can sometimes be tedious, but with Prospa you get a quick and efficient online lending process.

With us, you can apply online or over the phone and receive funds in less than 24 hours (subject to approval based on eligibility criteria). You can even speak with a business lending specialist from our team about what you need. With years of industry experience and having helped tons of people reach their enterprise goals, it’s no wonder we’re trusted by so many New Zealand businesses.

Interested in what we have to offer? Feel free to click here and find out more.



How our small business cash flow loans helped owners thrive

When the owner of small business Backyard Roadies found his tour company at risk of closing, he turned to Prospa. In spite of the pandemic, the small business cash flow loan enabled him to invest in digital marketing activities to grow the business. His passion and determination – combined with new found financial flexibility – allowed Backyard Roadies to get back on track with a tour running every week, despite the continuing challenges of the pandemic.


The specifics of Prospa loans

You won’t have to worry about what-ifs ever again with the small business cash flow loan we have here at Prospa. We make sure that you know all our terms beforehand so you can make a decision about what’s best for your business in no time at all.

  • Business loan rates. When you apply with us, our expert team will make a comprehensive background review in order to determine the rate that will apply to your business. For example, we’ll consider factors such as the health of your business cash flow, your purpose for loaning funds and the industry you work in.
  • Balance range. If eligible, you can receive an amount from $5,000 to $150,000 for our Prospa Small Business Loans (or up to $500,000 for our Prospa Plus Business Loan).
  • Term of repayment. With our Prospa Small Business Loans, you can have a fixed term of up to 36 months.

With these conditions alone, you can see why so many businesses look to us for financial support. Apply now and see what all the fuss is about!



Small business loans New Zealand: Potential applications

As someone who wants to optimise their business, you’d be delighted to know that our small business cash flow loan can cover everything from general working capital all the way to payments for rent and inventory, marketing or costs relating to expanding your business. The possibilities are almost endless with Prospa. So long as the expense is related to business finance, you will be able to use our funds without a hitch.



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

One of the best parts about Prospa is that practically any business can apply for our service. To be eligible for our Small Business Loan, you must:

  • be 18 years old or above
  • be a resident of New Zealand
  • Minimum trading history applies.

Additionally, you must have a minimum monthly turnover of at least $6K.

Get started today and take your business to new heights!

Customers making it happen with a Prospa loan

Read customer stories

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



A small business cash flow loan gives you access to money to maintain fundamental operations. For those earlier in their journey, you could utilise our small business cash flow loan to purchase or upgrade any essential equipment you might need down the line. And if you run an established enterprise, then perhaps you could use the funds to pay your staff when business is slow, kick-start a marketing campaign or purchase inventory.

When you apply at Prospa, the process is simple. Jump on any smart device to complete an online form or even call our business lending specialists – whichever method works better for you. Then, provide us with some contact information and documentation so we can review your application.

Our business loan application takes around 10 minutes, and after that, you’ll receive a quick response with any specific terms and conditions. Once the loan is approved, funding is possible in just 24 hours.

Once you’ve understood how business loans work, it’s time to go through the other benefits of taking out a small business cash flow loan.

A cash flow loan could give you a safety net or backup funding for all sorts of emergencies. For example, if business is slow and you need to pay your staff, having access to cash flow funding could come in handy.

Join us at Prospa today and benefit from the advantages of small business loans for years to come!

Other questions? Talk to a specialist