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Ruly Zahri

Ruly Zahri is a Digital Content Specialist at Prospa, where he covers the latest trends in social media strategies and blog content to enhance the company's online presence and drive marketing success.

16 May 2025

Business owner
  • Manage your finances

Smart cash flow strategies for small retailers looking to grow

16 May 2025

12 May 2025

Kanwal from White Horse Finance using Prospa funding
  • Partner stories

Galloping to success: How White Horse Finance helps businesses forge ahead with Prospa

12 May 2025

08 May 2025

Small business restaurant in action, showing how cash flow enables daily operations
  • Growing your business
  • Cash flow
  • Hospitality

Strengthen cash flow and unlock growth in your hospitality business

08 May 2025

07 May 2025

Click frenzy preparation for a SME
  • Growing your business
  • Click frenzy
  • Sales

Maximize ecommerce sales this Click Frenzy with proven small businesses strategies

07 May 2025

28 Apr 2025

Small business owner preparing for Mother's day sale
  • Growing your business
  • Boost sales
  • Mother's day sales
  • Mother's day special deals

5 ways to turn Mother’s Day into a sales booster for your business

28 Apr 2025

24 Apr 2025

Small business owners preparing to maximise tax deductions before EOFY
  • Manage your finances
  • Small business tax deductions
  • Small business write offs
  • Tax benefits for small business
  • Tax breaks for small businesses

Maximise your 2025 tax return with the right small business deductions

24 Apr 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

Business Detailsarrow-rightContact information
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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.
      By clicking continue I agree with Prospa's consent information and privacy policy.
      Back
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      Back
      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.
      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 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 Detailsarrow-rightLoan Detailsarrow-rightPersonal Details
        Has your business been trading for more than 6 months? *required field
        Are you the business owner or director? *required field
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        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 Detailsarrow-rightLoan Detailsarrow-rightPersonal Details
          Has your business been trading for more than 6 months? *required field
          Are you the business owner or director? *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.
          Do you have tax debt? *required field
          Back
          By clicking continue I agree with Prospa's consent information and privacy policy.
          Back
          By clicking continue I agree with Prospa's consent information and privacy policy.
          What is your residency status? *required field
          Back
          By clicking submit I agree with Prospa's consent information and privacy policy.
          Back
          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
          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 Detailsarrow-rightContact information
            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.
            Back
            By clicking submit I agree with Prospa's consent information and privacy policy.
            Back
            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 Detailsarrow-rightContact information
              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.
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              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

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