Small business loans
Small Business Loans ACT from Prospa are fast and simple. As Australia’s #1 small business lender we support local Aussie businesses in your area with fast small business loans Act. Our quick and simple online application process has no unnecessary paperwork or frustrating delays. We usually provide approval within the same hour of submitting your online application and your ACT small business loan funding it possible in 24hrs.
Need easy cash for your ACT business? Prospa has already helped thousands of local businesses.
Over 29,400 happy customers have made a start on commercial renovations, upgraded fleet vehicles, existing equipment and assets and broadened their advertising reach with our help. How can Prospa help your ACT business get ahead?
If you’re based in Canberra or anywhere else across Australia our strong client focus is what really helps you to achieve your business goals. Unlike the big banks and lenders, Prospa offer flexible lending options which are tailored by our lending experts to help you get the most out of your business loan. We provide flexible cash flow friendly repayment terms to help you build on your success and there are no penalties applied to early loan payouts.
Our business loan terms are available for 3 months – 5 years and start at just $5K reaching up to $500K. No upfront security required to access Prospa funding up to $150K.
Start putting your business dreams into motion and achieve your next goals with Prospa’s support. Begin an online application today or call to speak to one of our small business lending experts about what sort of opportunities you might have.
Small Business
Loan
Quick access to $5K – $500K to cover unexpected expenses or a one-off purchase.
- Fixed term up to 5 years with fixed rates
- Fast decision & funding possible in 24 hours
- No upfront security required to access Prospa funding up to $150K
- Minimum $6K monthly turnover and 6 months trading to apply
Business Loan
Plus
Larger loans above $500K and up to $1M to invest in your next business growth opportunity.
- Fixed term up to 5 years with fixed rates
- No credit checks to see if you are eligible
- Security may be required when accessing over $500K in Prospa funding
- Minimum $2M annual turnover and 3 years trading to apply
Line of Credit
Ongoing access to up to $500K to keep your business moving.
- Renewable 24 month term
- Fast decision and funding possible in 24 hours
- Only pay interest on what you use
- Access funds 24/7 with the Mobile App
- Minimum $6K monthly turnover and minimum 2 years trading history to apply
Choice
Borrow up to $1M with 10 minute application, fast decision and funding possible in 24 hours.
Support
Confidence
Talk to a business lending specialist
Talk to a business lending specialist
Talk to a business lending specialist
Talk to a business lending specialist
Talk to a business lending specialist
Customers making it happen with a Prospa loan
Read customer stories
Awards, thanks to your support
It’s nice to know we’re doing something right
| Year | Award | Category |
|---|---|---|
| 2026 | Corporate Accountant Awards | Finalist, CFO of the Year - Large Company (over 200 employees) |
| 2026 | Corporate Accountant Awards | Finalist, Finance Team of the Year - Financial Services |
| 2026 | Australian AI Awards | Finalist, AI Innovator, Financial Services |
| 2026 | Broker Innovation Awards | Winner, Innovator of the Year - Lender Technology Platform |
| 2026 | The Adviser's Australian Broking Awards | Winner, Technology Service Provider of the Year |
