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Francesco Solfrini

Francesco Solfrini is a finance content strategist and small business owner who partners with leading fintechs and lenders across Australia and beyond. His work covers everything from small business finance, lending and payments to private credit and crypto. He turns complex topics into clear, practical insights to help business owners make smarter money decisions.

17 Nov 2025

A person in a casual denim shirt and cap writes in a notebook while working at a desk with a computer and coffee in a workshop-style office.
  • Manage your finances
  • Business planning
  • Cash flow
  • Guide

Close the year strong. How to tidy finances for new year

17 Nov 2025

10 Nov 2025

  • Operating your business
  • Cash flow
  • Guide

What is a Bank Guarantee?

10 Nov 2025

10 Nov 2025

Person wearing a dark green scrub-style top holding a tablet in an optical store, surrounded by eyeglass display stands and indoor plants.
  • Operating your business
  • Cash flow
  • Guide

What is a Commercial Loan? A Guide for Australian Small Business

10 Nov 2025

05 Nov 2025

Florist arranging a bouquet of white flowers in a stylish flower shop with greenery and floral arrangements in the background – small business customer experience.
  • Operating your business
  • Business planning
  • Growing
  • Guide

SME vs Large Enterprises: The Key Differences

05 Nov 2025

04 Nov 2025

Two staff members preparing glasses and linens behind a bar.
  • Growing your business
  • Cash flow
  • Guide
  • Prospa Business Line of Credit
  • Prospa Small Business Loan

Your guide to small business cash flow lending

04 Nov 2025

15 Oct 2025

Florist owner in her shop sitting near her work laptop and iPad
  • Growing your business
  • Manage your finances

What credit score do you need for a small business loan

15 Oct 2025

Get started

Which product are you interested in?

Apply for funds

Small business lending to match your business needs

Open an account

A business transaction account. For existing Prospa customers.
Compare our products
Select Product #1
  • Small Business Loans
  • Business Loan Plus
  • Line of Credit
Select Product #2
  • Small Business Loans
  • Business Loan Plus
  • Line of Credit
Best for when you need
Fast access to funds
Funds for bigger plans
To build cash flow confidence
Fast access to funds
Funds for bigger plans
To build cash flow confidence
Eligibility
  • 6 months minimum trading history applies
  • Over $6K monthly turnover
  • Active ABN and valid driver’s licence
  • Good credit history
  • 3 years minimum trading history applies
  • Over $6K monthly turnover
  • Active ABN and valid driver’s licence
  • Good credit history
  • Minimum 2 years trading history
  • Over $6K monthly turnover
  • Active ABN and valid driver’s licence
  • Good credit history
  • 6 months minimum trading history applies
  • Over $6K monthly turnover
  • Active ABN and valid driver’s licence
  • Good credit history
  • 3 years minimum trading history applies
  • Over $6K monthly turnover
  • Active ABN and valid driver’s licence
  • Good credit history
  • Minimum 2 years trading history
  • Over $6K monthly turnover
  • Active ABN and valid driver’s licence
  • Good credit history
Security
No upfront security for up to $150K in Prospa funding
Upfront property security required
No upfront security for up to $150K in Prospa funding
No upfront security for up to $150K in Prospa funding
Upfront property security required
No upfront security for up to $150K in Prospa funding
Loan size
From $5K to $500K
From $500K to $1M
From $2K to $500K
From $5K to $500K
From $500K to $1M
From $2K to $500K
Loan term
Both products are Up to 5 years
Both products are Up to 5 years
2 years, with option to renew
Both products are Up to 5 years
Both products are Up to 5 years
2 years, with option to renew
Interest
Both products do not require Asset security Fixed interest rate
Fixed interest rate
Both products do not require Asset security Interest calculated on the funds you use, not on the limit.
Both products do not require Asset security Fixed interest rate
Fixed interest rate
Both products do not require Asset security Interest calculated on the funds you use, not on the limit.
Payments structure
Both products can be repaid in a Receive your full amount as a lump sum
Both products can be repaid in a Receive your full loan amount as a lump sum
Use and reuse as often as you like during the 24 month renewable term
Both products can be repaid in a Receive your full amount as a lump sum
Both products can be repaid in a Receive your full loan amount as a lump sum
Use and reuse as often as you like during the 24 month renewable term
Repayment frequency
Both products can be repaid Weekly
Both products can be repaid Weekly
Both products are repaid weekly Only pay interest on what you use + weekly service fee 0.046%
Both products can be repaid Weekly
Both products can be repaid Weekly
Both products are repaid weekly Only pay interest on what you use + weekly service fee 0.046%
Online access
Both products can be accessed through the Prospa App and Prospa Online
Both products can be accessed through the Prospa App and Prospa Online
Both products can be accessed through the Prospa App and Prospa Online
Both products can be accessed through the Prospa App and Prospa Online
Both products can be accessed through the Prospa App and Prospa Online
Both products can be accessed through the Prospa App and Prospa Online
Dedicated lending specialist
Visa debit card not available Yes
Visa debit card not available Yes
Yes
Visa debit card not available Yes
Visa debit card not available Yes
Yes
Visa debit card
Dedicated lending specialist not available No
No
No
Dedicated lending specialist not available No
No
No
Apply now Read more
Apply now Read more
Apply now Read more
Apply nowRead more
Apply nowRead more
Apply nowRead more

Talk to a specialist

Our lending specialists are available to assist you at any stage of this process.

If you’d like to speak with someone now, call 1300 882 867

Talk to a specialist

Our lending specialists are available to assist you at any stage of this process.

If you’d like to speak with someone now, call 1300 882 867

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    Thank you for your interest. Our team will review your details and get in touch if you're eligible.

    Check your eligibility

    Our lending specialists are available to assist you at any stage of this process.

    If you’d like to speak with someone now, call 1300 882 867

    Check your eligibility

    Our lending specialists are available to assist you at any stage of this process.

    If you’d like to speak with someone now, call 1300 882 867

    Business Detailsarrow-rightContact information
      By clicking continue I agree with Prospa's consent information and privacy policy.
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      By clicking submit I agree with Prospa's consent information and privacy policy.
      Thank you for your interest. Our team will review your details and get in touch if you're eligible.

      Talk to a specialist

      Our lending specialists are usually in contact with you within the next 2 hours. Need an answer now?

      Call us on 1300 882 867

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      Thanks for contacting us! We will get in touch with you shortly.

      Talk to a specialist

      Our lending specialists are usually in contact with you within the next 2 hours. Need an answer now?

      Call us on 1300 882 867

      Talk to a specialist

      Our lending specialists are usually in contact with you within the next 2 hours. Need an answer now?

      Call us on 1300 882 867

      Business Detailsarrow-rightContact information
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        Thanks for contacting us! We will get in touch with you shortly.

        Talk to a specialist

        Our lending specialists are usually in contact with you within the next 2 hours. Need an answer now?

        Call us on 1300 882 867

        Talk to a specialist

        Our lending specialists are usually in contact with you within the next 2 hours. Need an answer now?

        Call us on 1300 882 867

        Business Detailsarrow-rightContact information
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          Call us on 1300 882 867

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