Business Loan Sydney

Easy application

Apply online in under 10 minutes with minimal paperwork.

Flexible terms

We offer repayment terms of 3 - 36 months, with the freedom to pay out your loan early and save on interest

Custom pricing

Our rate is determined by how much you're borrowing, the size of your business and credit score.

Business Loan Sydney

Unlike the big banks and lenders, Prospa is here to help the local Aussie business in Sydney fund their big dreams. Business loans Sydney start at $5,000 and are offered up to $500,000. Join thousands of happy local Aussies just like you start reaching your small business goals with business loans Sydney approved within the hour.

As Australia’s #1 small business lender, we have built and maintained a 4.9/5 TrustScore by investing into local businesses just like yours. With our business loans Sydney, we seek to help you prosper. By providing fast and easy applications, approvals with the hour and your funds usually transferred within 24 hours, Prospa is the small business lender focusing on local Sydney clients and their businesses, not numbers and deadlines.

What sort of business are you looking to build? We have helped every type and trade:

  • Café’s
  • Local tradespeople
  • Restaurants
  • Builders
  • Retailers and wholesalers
  • Hair & beauty specialists

Our short term Sydney loans are available on terms for 3 – 36 months. No asset security required upfront to access Prospa funding up to $150,000.

What could your local business in Sydney do with a short term business loan? How much can you grow your prospects with Prospa’s help?

  • Building renovations – expand the café or put in that extra office space
  • Technology and innovation upgrades – streamline your production or get the latest software upgrades
  • Advertising and rebranding – reach a bigger market with a broad campaign across the city or the country
  • New appliances – get the latest cookers, coffee machines, slicers, packers

Prospa has already helped thousands of Aussies get the most from their business finance. We tailor your finance experience to ensure your business is always first with cash flow friendly repayments and no penalties on paying out your loan amount ahead of schedule.

Apply online today and discover your business potential with Prospa.

Prospa. Funding solutions to match your business needs

No more compromising or missed opportunities with Prospa by your side. With hassle-free application, this time tomorrow you could have access to funds for growth and cash flow support. It’s just what we do.
We’re Australia’s #1 online lender to small business.


Borrow up to $500K with 10 minute application, fast decision and funding possible in 24 hours.


Locally focused BDMs backed by a team of dedicated Business Lending Specialists who get to know your client’s business.


Join thousands of Aussie small businesses who thrive with the support of Australia’s #1 online lender to small business.

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

Awards, thanks to your support

It's nice to know we're doing something right

Year Award Category
2023 The Adviser Magazine's Product of Choice: Non-Banks Survey Winner, SME under $250K Loan of Choice
2023 The Adviser Magazine's Product of Choice: Non-Banks Survey Winner, SME over $250K Loan of Choice
2023 Contact Centre Magazine Winner, Top 100 Influencers in the Contact Centre Industry
2023 MFAA State Excellence Awards Finalist, Business Development Manager Award – Lender & Support Service Provider
2023 LinkedIn Talent Awards Winner, Best Employer Brand

See more awards