Business funding
now takes you further

Prospa has partnered with Qantas Business Rewards to give small businesses the ability to earn Qantas Points on their business funding.
A small business owner wearing an apron stands with arms crossed, set against a split background of a warmly lit hospitality venue and an Australian outback landscape with a plane icon and directional arrow, suggesting business growth and travel rewards.
Small business owner standing confidently in a café wearing an apron, with a stylised travel graphic and airplane icon over a scenic landscape to the side.

How it works

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Apply for funding in minutes

Apply in 10 minutes with funding possible in hours
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Choose to earn Qantas Points

Choose to earn Qantas Points on any approved Prospa Business Loan or Business Loan Plus. Fees apply.
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Earn up to 500,000 Qantas Points

Choose to earn 1 Qantas Point for every $1 funded on business loans (up to 500,000 Qantas Points).

Compare our business loans

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For fast funds

Small Business Loan
  • From $5K up to $500K
  • Repayment terms up to 5 years
  • Choose to earn 1 Qantas Point for every $1 funded (up to 500,000 Qantas Points). Fees apply
  • No upfront security required to access Prospa funding up to $150K
  • Unlimited extra repayments to save on interest
See minimum criteria Apply now
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Small Business Loan
minimum criteria

  • From 6 months time trading
  • Monthly turnover of $6K
  • Property or asset ownership required over $150K
  • Business owner must be 18+ years
  • Business owner must be an Australian citizen or permanent resident
Apply now
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For big plans

Business Loan Plus
  • From $500K up to $1M
  • Repayment terms up to 5 years
  • Choose to earn 1 Qantas Point for every $1 funded (up to 500,000 Qantas Points). Fees apply
  • Upfront property security required with flexible structuring and Loan Value Ratios (LVR) up to 100%.
  • Unlimited extra repayments to save on interest
See minimum criteria Apply now
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Business Loan Plus
minimum criteria

  • From 3 years time trading
  • Annual turnover of $2M
  • Property or asset ownership required over $150K
  • Business owner must be 18+ years
  • Business owner must be an Australian citizen or permanent resident
Apply now
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Unlock benefits with Qantas Business Rewards 

Qantas Business Rewards is the loyalty program made for Australian small to medium businesses. Your business can save on flights and other business costs, while earning Qantas Points on a wide range of business expenses.

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Why earn Qantas Points with your
Prospa Business Loan?

Turn funding into real value

Choose to earn 1 Qantas Point for every 1 dollar funded (up to 500,000 Qantas Points). Fees apply.
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Earn rewards without changing how you borrow

Your loan works the same way, you simply choose to earn Qantas Points as part of your funding
Smartphone resting on a suitcase displaying a business banking app with a small business loan balance and product options.

Reward your business

Lower your business costs by using Qantas Points to book flights, request upgrades, or choose business supplies from the Qantas Marketplace. T&Cs apply.
Traveller walking through an airport terminal with a backpack and headphones, checking a phone, alongside the Qantas Points logo.

Join Qantas Business Rewards for free

If you’re not already a Qantas Business Rewards member, we’ll automatically register you and waive the $89.50 sign up fee.
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Turn funding into real value

Choose to earn 1 Qantas Point for every 1 dollar funded (up to 500,000 Qantas Points). Fees apply.
Young woman looking up hopeful with the text

Reward your business

Lower your business costs by using Qantas Points to book flights, request upgrades, or choose business supplies from the Qantas Marketplace. T&Cs apply.
Traveller walking through an airport terminal with a backpack and headphones, checking a phone, alongside the Qantas Points logo.

Earn rewards without changing how you borrow

Your loan works the same way, you simply choose to earn Qantas Points as part of your funding
Smartphone resting on a suitcase displaying a business banking app with a small business loan balance and product options.

Join Qantas Business Rewards for free

If you’re not already a Qantas Business Rewards member, we’ll automatically register you and waive the $89.50 sign up fee.
Young Asian woman looking at phone at sewing station

Why Prospa?

Prospa has supported more than 60,000 Australian small businesses with fast, flexible funding and award winning service. We are here to help you move quickly, stay in control and focus on what matters most.

Get more from your business funding

A Prospa Business Loan gives you the support you need to take your next step with confidence.
When you opt in to Qantas Business Rewards, every eligible dollar funded also earns Qantas Points that you can put to work for your business or for yourself.

Talk to a specialist
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FAQ

Common questions answered

Qantas Business Rewards is a loyalty program that connects Australian small to medium business with a range of services and products, allowing the business to earn Qantas Points on business expenses and unlock extra benefits when flying with Qantas. Qantas Points earned by your business are stored in your Qantas Business Rewards membership account.

Please visit Qantas Business Rewards for a full range of benefits.

Prospa has partnered with Qantas Business Rewards to allow eligible customers to earn Qantas Points with a Prospa Small Business Loan or Business Loan Plus.

Earning Qantas Points

You’ll earn 1 Qantas Point for every $1 funded, capped at 500,000 Qantas Points per loan.

Yes. Qantas Points can be earned per loan, with the 500,000 Qantas Points cap applying to each loan individually.

You can check your Qantas Points balance and activity by logging into your Qantas Business Rewards Account where you can view:

  • Your Qantas Points activity from your Prospa Loan
  • The total number of Qantas Points available for redemption.

Pricing

Yes. Choosing to earn Qantas Points with a Prospa Small Business Loan or Business Loan Plus incurs a 0.49% increase to the origination fee.

Eligibility

Prospa Small Business Loan and Prospa Business Loan Plus only.

Yes. The minimum funded amount is $5,000.

Yes, provided the transaction involves new funded capital and meets the eligibility criteria. Refinances that do not include new funds are not eligible.

No. Qantas Points cannot be added after settlement.

To earn Qantas Points, customers must opt in before the loan settles. Once the loan has been funded, it is not eligible to have Qantas Points added retroactively.

Qantas Business Rewards membership

Yes. If you’re not already a member at the time of loan settlement, Prospa can register you automatically and waive the $89.50 joining fee.

During loan settlement, your loan will be linked to your Qantas Business Rewards Account, as long as the ABN matches.

You will receive an activation email from Qantas Business Rewards. Please use the unique link in that email to set up your account.

If this still doesn’t work, please contact the Qantas Business Rewards Service Centre on 13 74 78 Monday to Friday or submit an online enquiry.

Qantas Points fulfilment

Qantas Points are credited 30 days after settlement, provided the loan remains active and in good standing.

Qantas Points will be withheld until the loan returns to good standing. If the loan is closed or in default at the fulfilment point, Qantas Points will not be awarded.

You can view your Qantas Points earned on your Prospa Business Loan in your Qantas Activity Statement by logging into your Qantas Business Rewards Account.

Qantas Points are offered under the Prospa Business Loans and Qantas Business Rewards Terms and Conditions . A business must be a Qantas Business Rewards Member to earn Qantas Points, and membership and Qantas Points are subject to the Qantas Business Rewards Terms and Conditions . Businesses with an eligible Prospa Business Loan that have linked their Qantas Business Rewards Account can earn 1 Qantas Point for every $1 of the disbursement amount up to 500,000 Qantas Points. Qantas Points will be credited to the Business Rewards Account at the fulfilment point and may take up to 30 days after the fulfilment point to appear. Any claims relating to Qantas Points under this offer must be made directly to Prospa. Offer may be varied, extended or revoked at any time. Fees and charges apply.