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Fast funds from $5K to $500K
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For big plans up to $1M
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Capital

All ⁷
Manage your finances ⁴
Small business inspiration ²
Growing your business ¹

10 Nov 2020

Manage your finances
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COVID-19
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Line of credit
Small business loan

Small business loan vs line of credit

10 Nov 2020

16 Mar 2020

Small business inspiration
Capital
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Prospa success story
Renovation
Small business loan

How this cafe owner boosted turnover by 300%

16 Mar 2020

11 Feb 2020

Manage your finances
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Growth
Small business loan

Business finance: Last century lending vs today

11 Feb 2020

22 Jan 2020

Manage your finances
Capital
Cash flow
Credit score
Finance
Growth

How to improve your credit score

22 Jan 2020

18 Nov 2019

Growing your business
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Windfall

How to make the most of a small business windfall

18 Nov 2019

28 Oct 2019

Manage your finances
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Credit history
Decoupling
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4 advantages of keeping personal and business finances separate

28 Oct 2019

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 specialists are usually in contact with you within the next 2 hours. Need an answer now? Call us on 1300 882 867

First name ^{*required field}

Last name ^{*required field}

Phone number ^{*required field}

Email ^{*required field}

Search by ABN/ACN/legal trading name:

Type of business

How can we help?

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

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

Business Account

I have a general question

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Lending

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Categories

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Topics

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Partner blog

Inside Prospa

Capital

Small business loan vs line of credit

How this cafe owner boosted turnover by 300%

Business finance: Last century lending vs today

How to improve your credit score

How to make the most of a small business windfall

4 advantages of keeping personal and business finances separate

Prospa Small Business Loan

Prospa Business Loan Plus

Prospa Line of Credit

Prospa
Small Business Loan

Prospa
Business Loan Plus

Prospa
Line of Credit