Francesco Solfrini, Author at Prospa | Page 2 of 8

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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.

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16 Feb 2026

Cafe staff member standing at the counter holding a tablet, with another barista working in the background and shelves of cups and coffee equipment behind them.

Manage your finances
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Finance
Guide

Using payroll funding to cover wages

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Get started

Which product are you interested in?

Apply for funds

Small business lending to match your business needs

Open a business account

An easy-to-use transaction account with rewards on eligible business spending

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

For ongoing access to funds

Fast access to funds

Funds for bigger plans

For ongoing access to funds

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

Ongoing access with a check-in

Both products are Up to 5 years

Both products are Up to 5 years

Ongoing access with a check-in

Interest

Both products do not require Asset security Fixed interest rate

Fixed interest rate

Both products do not require Asset security Interest calculated daily only on balance drawn, not the facility limit.

Both products do not require Asset security Fixed interest rate

Fixed interest rate

Both products do not require Asset security Interest calculated daily only on balance drawn, not the facility 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

Access to your available balance immediately to use and reuse funds over time.

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

Access to your available balance immediately to use and reuse funds over time.

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 now Read more

Apply now Read more

Apply now Read more

Check your eligibility

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

Call us on 1300 882 867

Check your eligibility

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

Call us on 1300 882 867

Check your eligibility

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 Details

Loan Details

Personal Details

Search by ABN, ACN or legal trading name: ^{*required field}

Industry ^{*required field}

Type of business ^{*required field}

Has your business been trading for more than 6 months? ^{*required field}

Yes

No

Are you the business owner or director? ^{*required field}

Yes

No

By clicking continue I agree with Prospa's consent information and privacy policy.

By clicking continue I agree with Prospa's consent information and privacy policy.

Monthly revenue ^{*required field}

How much are you looking for? ^{*required field}

How will you use the funds? ^{*required field}

Do you have tax debt? ^{*required field}

Yes

No

Total tax debt amount

By clicking continue I agree with Prospa's consent information and privacy policy.

By clicking continue I agree with Prospa's consent information and privacy policy.

First name ^{*required field}

Last name ^{*required field}

Email ^{*required field}

Phone ^{*required field}

Date of birth ^{*required field}

What is your residency status? ^{*required field}

Citizen

Permanent Resident

Neither

By clicking submit I agree with Prospa's consent information and privacy policy.

By clicking submit I agree with Prospa's consent information and privacy policy.

By clicking submit I agree with Prospa's consent information and privacy policy.

By clicking submit I agree with Prospa's consent information and privacy policy.

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

Check your eligibility

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

Call us on 1300 882 867

Check your eligibility

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

Call us on 1300 882 867

Check your eligibility

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 Details

Loan Details

Personal Details

Search by ABN, ACN or legal trading name: ^{*required field}

Industry ^{*required field}

Type of business ^{*required field}

Has your business been trading for more than 6 months? ^{*required field}

Yes

No

Are you the business owner or director? ^{*required field}

Yes

No

By clicking continue I agree with Prospa's consent information and privacy policy.

By clicking continue I agree with Prospa's consent information and privacy policy.

Monthly revenue ^{*required field}

How much are you looking for? ^{*required field}

How will you use the funds? ^{*required field}

Do you have tax debt? ^{*required field}

Yes

No

Total tax debt amount

By clicking continue I agree with Prospa's consent information and privacy policy.

By clicking continue I agree with Prospa's consent information and privacy policy.

First name ^{*required field}

Last name ^{*required field}

Email ^{*required field}

Phone ^{*required field}

Date of birth ^{*required field}

What is your residency status? ^{*required field}

Citizen

Permanent Resident

Neither

What would be the ideal time to contact you? ^{*required field}

Before 11am

11am - 2pm

2pm - 5pm

Anytime

By clicking submit I agree with Prospa's consent information and privacy policy.

By clicking submit I agree with Prospa's consent information and privacy policy.

By clicking submit I agree with Prospa's consent information and privacy policy.

By clicking submit I agree with Prospa's consent information and privacy policy.

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

Check your eligibility

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

Call us on 1300 882 867

Check your eligibility

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

Call us on 1300 882 867

Check your eligibility

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 Details

Loan Details

Personal Details

Search by ABN, ACN or legal trading name: ^{*required field}

Industry ^{*required field}

Type of business ^{*required field}

Has your business been trading for more than 6 months? ^{*required field}

Yes

No

Are you the business owner or director? ^{*required field}

Yes

No

By clicking continue I agree with Prospa's consent information and privacy policy.

By clicking continue I agree with Prospa's consent information and privacy policy.

Monthly revenue ^{*required field}

How much are you looking for? ^{*required field}

How will you use the funds? ^{*required field}

Are you interested in earning Qantas Points? ^{*required field}

Yes

No

Choose to earn 1 Qantas Point per $1 funded (up to 500,000 Qantas Points). T&C apply.

By clicking continue I agree with Prospa's consent information and privacy policy.

By clicking continue I agree with Prospa's consent information and privacy policy.

First name ^{*required field}

Last name ^{*required field}

Email ^{*required field}

Phone ^{*required field}

Date of birth ^{*required field}

What is your residency status? ^{*required field}

Citizen

Permanent Resident

Neither

What would be the ideal time to contact you? ^{*required field}

Before 11am

11am - 2pm

2pm - 5pm

Anytime

By clicking submit I agree with Prospa's consent information and privacy policy.

By clicking submit I agree with Prospa's consent information and privacy policy.

By clicking submit I agree with Prospa's consent information and privacy policy.

By clicking submit I agree with Prospa's consent information and privacy policy.

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

Are you a new or existing customer? ^{*required field}

New

Existing

First name ^{*required field}

Last name ^{*required field}

Phone number ^{*required field}

Email ^{*required field}

How can we help? ^{*required field}

By clicking submit I agree with Prospa's consent information and privacy policy.

By clicking submit I agree with Prospa's consent information and privacy policy.

By clicking submit I agree with Prospa's consent information and privacy policy.

By clicking submit I agree with Prospa's consent information and privacy policy.

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 Details

Contact information

Search by ABN, ACN or legal trading name:

Monthly revenue ^{*required field}

How much are you looking for? ^{*required field}

Type of business ^{*required field}

How will you use the funds? ^{*required field}

By clicking continue I agree with Prospa's consent information and privacy policy.

By clicking continue I agree with Prospa's consent information and privacy policy.

First name ^{*required field}

Last name ^{*required field}

Phone number ^{*required field}

Email address ^{*required field}

What would be the ideal time to contact you? ^{*required field}

Before 11am

11am - 2pm

2pm - 5pm

Anytime

By clicking submit I agree with Prospa's consent information and privacy policy.

By clicking submit I agree with Prospa's consent information and privacy policy.

By clicking submit I agree with Prospa's consent information and privacy policy.

By clicking submit I agree with Prospa's consent information and privacy policy.

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 Details

Contact information

Search by ABN, ACN or legal trading name:

Monthly revenue ^{*required field}

How much are you looking for? ^{*required field}

Type of business ^{*required field}

How will you use the funds? ^{*required field}

Are you interested in earning Qantas Points? ^{*required field}

Yes

No

Choose to earn 1 Qantas Point per $1 funded (up to 500,000 Qantas Points). T&C apply.

By clicking continue I agree with Prospa's consent information and privacy policy.

By clicking continue I agree with Prospa's consent information and privacy policy.

First name ^{*required field}

Last name ^{*required field}

Phone number ^{*required field}

Email address ^{*required field}

What would be the ideal time to contact you? ^{*required field}

Before 11am

11am - 2pm

2pm - 5pm

Anytime

By clicking submit I agree with Prospa's consent information and privacy policy.

By clicking submit I agree with Prospa's consent information and privacy policy.

By clicking submit I agree with Prospa's consent information and privacy policy.

By clicking submit I agree with Prospa's consent information and privacy policy.

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 Details

Contact information

Search by ABN, ACN or legal trading name:

Monthly revenue ^{*required field}

How much are you looking for? ^{*required field}

Nature of business ^{*required field}

How will you use the funds? ^{*required field}

Are you interested in earning Qantas Points? ^{*required field}

Yes

No

Choose to earn 1 Qantas Point per $1 funded (up to 500,000 Qantas Points). T&C apply.

By clicking continue I agree with Prospa's consent information and privacy policy.

By clicking continue I agree with Prospa's consent information and privacy policy.

First name ^{*required field}

Last name ^{*required field}

Phone number ^{*required field}

Email address ^{*required field}

What would be the ideal time to contact you? ^{*required field}

Before 11am

11am - 2pm

2pm - 5pm

Anytime

By clicking submit I agree with Prospa's consent information and privacy policy.

By clicking submit I agree with Prospa's consent information and privacy policy.

By clicking submit I agree with Prospa's consent information and privacy policy.

By clicking submit I agree with Prospa's consent information and privacy policy.

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

What can we assist with?

I have a general question

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