Prospa Small
Business Loan
- Borrow from $5K up to $150K as a lump sum over a fixed term of up to 36 months.
- Minimum $6K monthly turnover and minimum trading history periods apply.
- Great for managing cash flow, buying stock and equipment, or covering unexpected expenses.
Prospa Business
Loan Plus
- Borrow from $150K up to $500K as a lump sum over a fixed term of up to 36 months.
- Minimum $1 million annual turnover and 3 years trading to apply.
- Often used for funding growth, renovations and refits, or equipment purchases.
Prospa Business
Line of Credit
- Get ongoing access to funds up to $150K and only pay interest on the funds you use.
- Minimum $6K monthly turnover and minimum trading history to apply.
- Ideal for managing cashflow and unexpected expenses.
Easy application
Apply online in under 10 minutes with minimal paperwork.
Flexible terms
We offer repayment terms of 3 - 36 months, with the freedom to pay out your loan early and save on interest
Custom pricing
Our rate is determined by how much you're borrowing, the size of your business and credit score.
Business Loan Sydney
As Australia’s #1 small business lender, we have built and maintained a 4.9/5 TrustScore by investing into local businesses just like yours. With our business loans Sydney, we seek to help you prosper. By providing fast and easy applications, approvals with the hour and your funds usually transferred within 24 hours, Prospa is the small business lender focusing on local Sydney clients and their businesses, not numbers and deadlines.
What sort of business are you looking to build? We have helped every type and trade:
- Café’s
- Local tradespeople
- Restaurants
- Builders
- Retailers and wholesalers
- Hair & beauty specialists
Our short term Sydney loans are available on terms for 3 – 36 months. No asset security required upfront to access Prospa funding up to $150,000.
What could your local business in Sydney do with a short term business loan? How much can you grow your prospects with Prospa’s help?
- Building renovations – expand the café or put in that extra office space
- Technology and innovation upgrades – streamline your production or get the latest software upgrades
- Advertising and rebranding – reach a bigger market with a broad campaign across the city or the country
- New appliances – get the latest cookers, coffee machines, slicers, packers
Prospa has already helped thousands of Aussies get the most from their business finance. We tailor your finance experience to ensure your business is always first with cash flow friendly repayments and no penalties on paying out your loan amount ahead of schedule.
Apply online today and discover your business potential with Prospa.
Prospa. Funding solutions to match your business needs
We’re Australia’s #1 online lender to small business.
Choice
Borrow up to $500K with 10 minute application, fast decision and funding possible in 24 hours.
Support
Confidence
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
How our customers have put their funds to work
Read Customer Stories
Awards, thanks to your support
It's nice to know we're doing something right
| Year | Award | Category |
|---|---|---|
| 2024 | Work180 | Recognised by WORK180 as one of Australia’s top 101 workplaces for women |
| 2023 | Great Place to Work | Recognised as one of the Top 20 Best Workplaces |
| 2023 | Great Place to Work | Certified |
| 2023 | The Adviser Magazine's Product of Choice: Non-Banks Survey | Winner, SME under $250K Loan of Choice |
| 2023 | The Adviser Magazine's Product of Choice: Non-Banks Survey | Winner, SME over $250K Loan of Choice |
