Fast Business Loans

Business finance designed for NZ small businesses

If you need a quick loan to take advantage of a once-in-a-lifetime growth opportunity, for working capital or to give your cash flow a boost, a Prospa small business loan may be just what you need. Borrow between $5,000 and $500,000 over terms from 3 to 36 months with no asset security required to access up to $150,000. Our fast business loan online application takes as little as 10 minutes, you get a quick decision and, if approved, funding is possible in 24 hours. Easy.

Designed especially for the needs of small businesses in New Zealand, Prospa’s fast business loans have repayments that work in with your cash flow cycle. You will receive a loan details up front, including your repayment amounts and due dates, so you know exactly where you stand. Get in touch with our friendly team of NZ small business loan experts to discuss your business finance needs today.

Card image cap


Borrow up to $500K with 10 minute application, fast decision and funding possible in 24 hours

Card image cap


Talk to real people. Business Lending Specialists who are focused on getting you what you need, sooner.

Card image cap


Thousands of small businesses
have borrowed from Prospa.
You could benefit too.

Need a cash injection to help your business?

Whether it’s an asset in Auckland, a website in Wellington, some computers in Christchurch, or a refurbishment in Rotorua, Prospa is here to support New Zealand small businesses with quick loans to fulfil all types of business goals. Speak to Prospa about a fast business loan that will boost working capital and help your business thrive.

A small business loan can fund:

  Investing in new technology

  Restaurant kitchen upgrades

  Marketing and advertising campaigns

  Extra staff during peak periods

  Updating trade tools and equipment

  New and second-hand vehicles

  Much more

Frequently asked questions

How can I get a quick business loan?

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 to have been trading for at least 6 months with a turnover of $6,000 or more per month. If you purchased an existing business at least 3 months ago, that works too.

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 $250,000 we’ll also need to see a few other financial statements like your profit & loss and cash flow.


How much can you borrow for business loan?

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 $250,000. Get your business finance online application done in as little as 10 minutes.


How do I get an unsecured business loan?

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.

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.