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Cash flow

All ¹²⁹
Manage your finances ¹⁰⁰
Small business inspiration ¹³
Growing your business ¹²
Day to day hustle ⁴

08 May 2025

Growing your business
Cash flow
Hospitality

Strengthen cash flow and unlock growth in your hospitality business

08 May 2025

31 Mar 2025

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

29 Oct 2024

Manage your finances
Cash flow

7 tips to boost your cash flow before year-end

29 Oct 2024

08 May 2024

Manage your finances
Cash flow
Finance

What is a business Line of credit and how does it work?

08 May 2024

12 Feb 2024

Day to day hustle
Cash flow
Customer service
Losing money
Profit and loss

6 ways to stop your business from losing money

12 Feb 2024

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

Business Loan Plus (NEW)
Small Business Loans (NEW)
Business Loan Plus
Small Business Loans
Line of Credit (NEW)

Select Product #2

Business Loan Plus (NEW)
Small Business Loans (NEW)
Business Loan Plus
Small Business Loans
Line of Credit (NEW)

Best for when you need

Funds for bigger plans

Fast access to funds

Funds for bigger plans

Fast access to funds

To build cash flow confidence

Funds for bigger plans

Fast access to funds

Funds for bigger plans

Fast access to funds

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

6 months minimum trading history applies
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

6 months 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

6 months minimum trading history applies
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

6 months 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

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

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 $150K to $500K

From $5K to $150K

From $150K to $500K

From $5K to $150K

From $2K to $500K

From $150K to $500K

From $5K to $150K

From $150K to $500K

From $5K to $150K

From $2K to $500K

Loan term

Both products are Up to 5 years

Both products are Up to 3 years

Both products are Up to 5 years

Both products are Up to 3 years

2 years, with option to renew

Both products are Up to 5 years

Both products are Up to 3 years

Both products are Up to 5 years

Both products are Up to 3 years

2 years, with option to renew

Interest

Fixed interest rate

Both products do not require Asset security Fixed interest rate

Fixed interest rate

Both products do not require Asset security Fixed interest rate

Both products do not require Asset security Interest calculated on the funds you use, not on the limit.

Fixed interest rate

Both products do not require Asset security Fixed interest rate

Fixed interest rate

Both products do not require Asset security 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 loan amount as a lump sum

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

Both products can be repaid in a Receive your full 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 loan amount as a lump sum

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

Both products can be repaid in a Receive your full 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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Categories

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Inside Prospa

Cash flow

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

7 tips to boost your cash flow before year-end

What is a business Line of credit and how does it work?

6 ways to stop your business from losing money

Prospa Small Business Loan

Prospa Business Loan Plus

Prospa Line of Credit

Prospa
Small Business Loan

Prospa
Business Loan Plus

Prospa
Line of Credit