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Cash flow

All ¹³¹
Manage your finances ¹⁰¹
Small business inspiration ¹³
Growing your business ¹²
Day to day hustle ⁴
Operating your business ¹

22 Aug 2025

Manage your finances
Cash flow
Guide
Prospa Small Business Loan

What does a small business loan really cost? Fees, interest and charges explained

22 Aug 2025

14 Aug 2025

Manage your finances
Cash flow

Is invoice financing the best way to boost cash flow?

14 Aug 2025

30 Jun 2025

Operating your business
Cash flow

How to improve your chances of getting approved for a small business loan: 5 practical tips

30 Jun 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

31 Mar 2025

Small business owner at the front of her store

Manage your finances
Cash flow

How to forecast cash flow for your small business: Free template inside

31 Mar 2025

29 Jan 2025

Growing your business
Cash flow

How Australian Indigenous businesses can overcome 2025's challenges and grow

29 Jan 2025

Prospa solutions

Prospa
Small Business Loan

Quick access $5K - $150K

Learn more

Prospa
Business Loan Plus

Larger loans $100K - $500K

Learn more

Prospa
Line of Credit

Ongoing access to funds up to $150K

Learn more

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

Asset security

No upfront property security for up to $150K in Prospa funding

Security may be required when accessing over $150K in Prospa funding

No upfront property security for up to $150K in Prospa funding

Security may be required when accessing over $150K in Prospa funding

No upfront property security for up to $150K in Prospa funding

Loan size

From $5K to $150K

From $150K to $500K

From $2K to $500K

From $5K to $150K

From $150K to $500K

From $2K to $500K

Loan term

Both products are Up to 3 years

Both products are Up to 5 years

2 years, with option to renew

Both products are Up to 3 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 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

Apply nowRead more

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Call us on 1300 882 867

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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

We’ve received your details.

We’ll be in touch soon. In the meantime, get a head start with a few business questions.

Contact information

Business Details

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Search by ABN, ACN or legal trading name:

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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

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Categories

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Inside Prospa

Cash flow

What does a small business loan really cost? Fees, interest and charges explained

Is invoice financing the best way to boost cash flow?

How to improve your chances of getting approved for a small business loan: 5 practical tips

Strengthen cash flow and unlock growth in your hospitality business

How to forecast cash flow for your small business: Free template inside

How Australian Indigenous businesses can overcome 2025's challenges and grow

Prospa Small Business Loan

Prospa Business Loan Plus

Prospa Line of Credit

Prospa
Small Business Loan

Prospa
Business Loan Plus

Prospa
Line of Credit