Main Navigation

Blog
News
Partners

Blog
News
- - News home
  - Announcements
  - News
  - Insights
  - People
  - Awards
  - Culture
Partners

Log in
- Log in
  Are you a Prospa customer or a partner?
  - Customer
  - Partner
Get started
- Get started
  Which product are you interested in?
  - Apply for funds
    Small business lending  to match your business needs
  - Open an account
    A free transaction account to help you manage your cash flow

Content types

Guide
Video
Infographic
Customer story
Resources

Topics

Cash flow
Technology
Marketing
Business planning
Innovation
Leadership
Finance

Industries

Building and trade
Professional services
Health and beauty
Hospitality
Transport

Prospa solutions

Prospa small business loan
Prospa business loan plus
Prospa business line of credit
Prospa business account
Prospa app

Partner blog

A curated collection of content for our partners

Inside Prospa

Product updates and insights from the Prospa team

Footer

Growth

All ³³
Small business inspiration ¹⁴
Manage your finances ¹⁰
Growing your business ⁷
Day to day hustle ²

10 Dec 2024

Growing your business
Growth

How this small business owner is turning the physio business model on its head — and scaling in the process

10 Dec 2024

29 May 2023

Manage your finances
Cash flow
Growth
P&L
Revenue

How Tristan’s small business stopped losing money

29 May 2023

07 Dec 2022

Growing your business
Growth
Referrals

How two businesses use referrals for growth

07 Dec 2022

08 Aug 2022

Growing your business
Finance
Growth
Staffing

Prospering together: Tips from 10 years of business growth

08 Aug 2022

28 Jul 2021

Growing your business
Growth
Social enterprise

Helping young people learn STREAT smarts

28 Jul 2021

09 Jul 2021

Small business inspiration
Customer story
Growth
Line of credit
Small business loan
Video

No animals (or chefs) harmed: How Brad built two vegan food brands

09 Jul 2021

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

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

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

We've detected your location as New Zealand.
Is this correct?

If so, we can direct you to prospa.co.nz

Go to prospa.co.nz (NZ)

Stay on prospa.com (AU)

Don't show again

Confirm

Lending
Small Business Loan
Business Loan Plus
Business Line of Credit
Business Loans Australia
Business Loan Calculator
Business Account

About
Careers
News
Contact us
Feedback
Prospa Wiki

Blog
Prospa Online
Partner Portal

Code compliant online small business loan

Eligibility and approval criteria, fees and charges and terms and conditions may apply to Prospa’s products and services.

ABN 47 154 775 667

Download the Prospa App

Log in

Customer

Partner

Get started

Apply for funds

Open an account

Categories

Content types

Topics

Industries

Prospa solutions

Partner blog

Inside Prospa

Growth

How this small business owner is turning the physio business model on its head — and scaling in the process

How Tristan’s small business stopped losing money

How two businesses use referrals for growth

Prospering together: Tips from 10 years of business growth

Helping young people learn STREAT smarts

No animals (or chefs) harmed: How Brad built two vegan food brands

Prospa Small Business Loan

Prospa Business Loan Plus

Prospa Line of Credit

Prospa
Small Business Loan

Prospa
Business Loan Plus

Prospa
Line of Credit