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Flexible funding solutions designed to help your business grow.
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Fast funds from $5K to $500K
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For ongoing access up to $500K
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For big plans up to $1M
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Turn borrowing, payments and growth in points.
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Earn Reward Points for making business payments
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Choose to earn Qantas Points on Prospa Business Loans

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Small business lending to match your business needs
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Prospa solutions

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The Prospa Blog

Small business inspiration
Manage your finances
Growing your business
Day to day hustle
Operating your business

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Small business owner in a café wearing a striped apron, reviewing paperwork at the counter with coffee equipment and shelves in the background.

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Prospa solutions

Prospa
Small Business Loan

Quick access $5K - $500K

Learn more

Prospa
Business Loan Plus

Larger loans $500K - $1M

Learn more

Prospa
Line of Credit

Ongoing access to funds up to $500K

Learn more

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

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

Ongoing access with a check-in

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 are repaid weekly Only pay interest on what you use + weekly service fee 0.046%

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

Dedicated lending specialist

Visa debit card not available Yes

Yes

Visa debit card not available Yes

Yes

Visa debit card

Dedicated lending specialist not available No

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

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

Yes

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

Total tax debt amount

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.

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

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.

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

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

Yes

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

Total tax debt amount

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.

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

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.

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

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

Yes

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

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

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.

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

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.

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.

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.

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

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.

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

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.

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

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.

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

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.

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

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.

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?

Business Loan

Line of Credit

I have a general question

Business funding, made simple

Get started online in just a few steps.
Prefer to talk it through? Call 1300 882 867.

Choose a funding option:

Business Loan

Lump sum funding for specific
business expenses

Line of Credit

Ongoing access to funds for
day‑to‑day cash flow

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Lending

Products

Small Business Loan

Business Line of Credit

Business Loan Plus

Compare & calculate

Compare business loans

Repayment calculator

Payments

Make and take payments

Business Account

Pay by Card

Tap to Pay

Bill Pay

Manage finances

Connect to Xero

Prospa App

Rewards

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Qantas Business Rewards

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Categories

Content types

Topics

Industries

Prospa solutions

Partner blog

Inside Prospa

The Prospa Blog

Payday Super Is Here. Is your cash flow ready?

How to Pay Your BAS and Earn Rewards at the Same Time

Easy business loans: eligibility guide for Australian small businesses

How do same-day business loans actually work?

As costs rise, what are Australian food and hospitality businesses doing differently?

SME confidence is softening. Here's what's behind it and how to stay ahead

Prospa Small Business Loan

Prospa Business Loan Plus

Prospa Line of Credit

Prospa
Small Business Loan

Prospa
Business Loan Plus

Prospa
Line of Credit