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Line of credit

All ²⁴
Small business inspiration ¹²
Manage your finances ⁸
Growing your business ⁴

12 Aug 2022

Growing your business
Manage your finances
Small business inspiration
Cash flow
Customer story
Customer success story
Line of credit
Small business growth

How this myotherapy clinic owner grew his business by 30% in the past year

12 Aug 2022

10 Aug 2022

Growing your business
Line of credit
Small business loan

How Brad’s soft serve business is thriving in challenging times

10 Aug 2022

27 Jun 2022

Manage your finances
Cash flow
Line of credit
Small business debt
Small business loan

How to use business credit wisely for cash flow and growth

27 Jun 2022

24 May 2022

Growing your business
Manage your finances
Small business inspiration
Cash flow
Customer story
Customer success story
Line of credit
Small business growth
Small business loan
Video

How this luxury dog accessories business increased turnover by more than 200% in a year

24 May 2022

16 Aug 2021

Small business inspiration
Business finance
Customer story
Line of credit

How Matt’s ecommerce business hit $1m in turnover

16 Aug 2021

22 Jul 2021

Manage your finances
Cash flow
Line of credit

Understanding cash flow lending

22 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

Business Loan Plus
Small Business Loans
Line of Credit

Select Product #2

Business Loan Plus
Small Business Loans
Line of Credit

Best for when you need

Funds for bigger plans

Fast access to funds

To build cash flow confidence

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

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

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 $2K to $500K

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

2 years, with option to renew

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

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

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

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

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

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Inside Prospa

Line of credit

How this myotherapy clinic owner grew his business by 30% in the past year

How Brad’s soft serve business is thriving in challenging times

How to use business credit wisely for cash flow and growth

How this luxury dog accessories business increased turnover by more than 200% in a year

How Matt’s ecommerce business hit $1m in turnover

Understanding cash flow lending

Prospa Small Business Loan

Prospa Business Loan Plus

Prospa Line of Credit

Prospa
Small Business Loan

Prospa
Business Loan Plus

Prospa
Line of Credit