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Flexible funding solutions designed to help your business grow.
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Small Business Loan
Fast funds from $5K to $500K
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For big plans up to $1M
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Always-on funding up to $500K
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Finance

All ¹¹⁴
Manage your finances ¹⁰¹
Growing your business ⁸
Operating your business ⁴
Small business inspiration ¹

25 Sep 2025

Person in modern office wearing black top and green pleated skirt, holding smartphone near glass wall.

Growing your business
Manage your finances
Cash flow
Finance
Guide

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25 Sep 2025

Growing your business
Operating your business
Small business inspiration
Cash flow
Customer story
Finance
Health and beauty
Marketing

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25 Sep 2025

16 Sep 2025

Growing your business
Manage your finances
Finance
Guide
Prospa Small Business Loan

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16 Sep 2025

01 Sep 2025

Growing your business
Manage your finances
Business planning
Finance
Guide
Prospa Business Account
Prospa Business Line of Credit
Prospa Business Loan Plus
Prospa Small Business Loan
Resources

Can you get a business loan without collateral in Australia?

01 Sep 2025

28 Aug 2025

Growing your business
Manage your finances
Finance
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Hospitality
Prospa Small Business Loan

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22 Jul 2024

Manage your finances
Finance

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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 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

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

2 years, with option to renew

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

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

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

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:

How much are you looking for? ^{*required field}

Monthly revenue ^{*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}

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:

How much are you looking for? ^{*required field}

Monthly revenue ^{*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}

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

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Lending

Products

Small Business Loan

Business Loan Plus

Business Line of Credit

Compare & calculate

Compare business loans

Repayment calculator

Payments

Make and take payments

Business Account

Bill Pay

Tap to Pay

Manage finances

Connect to Xero

Prospa App

Partner

Partner with us

Why partner with Prospa?

Partner login

Meet the Team

Partner registration

Partner resources

Prospa IQ

Partner articles

Resources

About Prospa

About

Careers

Get support

Get in touch

FAQ

Blog & news

Blog

News

Log in

Are you a Prospa customer or a partner?

Log in as a customer

Log in as a partner

Get started

Which product are you interested in?

Apply for funds

Open an account

Categories

Content types

Topics

Industries

Prospa solutions

Partner blog

Inside Prospa

Finance

Personal guarantees explained: what they are and how to protect yourself

How a hairdressing icon built a 40-year business legacy

How to reduce risk when taking out a business loan

Can you get a business loan without collateral in Australia?

How fast can you get a business loan in 2025?

Committed vs. Uncommitted Lines of Credit: Understanding Key Differences and Benefits

Prospa Small Business Loan

Prospa Business Loan Plus

Prospa Line of Credit

Prospa
Small Business Loan

Prospa
Business Loan Plus

Prospa
Line of Credit