Commercial Loan

Discover Prospa's range of commercial lending solutions and get quick access to capital for all your business needs. You've got a plan, let's make it happen.

  • Commercial funding options up to $500K
  • Fast decision and funding possible in 24 hours
  • No asset security required upfront to access
    Prospa funding up to $150K
  • Apply online in just 10 minutes
Apply now Talk to a specialist
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No credit check to see if you are eligible

Grow your business with a commercial loan

Apply for a commercial loan from Australia’s #1 online lender to small business and receive not only the funds you need to grow your business, but also dedicated care and support from a commercial loan broker who specialises in helping Aussie businesses to never miss an opportunity.

Prospa is more than just your average lender. Our commercial loans have already helped tens of thousands of local Australian businesses to maintain their cash flow and concentrate on building their opportunities for growth and long-term stability.

Commercial finance options for:

  • Managing staff during peak periods
  • Expansion or renovations
  • Capital purchases
  • Payroll support
  • Marketing campaign or rebrand

We will help you assess your business potential

Our Business Lending Specialists are available Monday to Saturday, providing ongoing support. We’ll offer finance solutions to help you reach important milestones and develop long-term, sustainable growth.

Compare products

Small Business
Loan

Quick access to $5K – $150K to cover unexpected expenses or a one-off purchase.

  • Fixed term up to 3 years with fixed rates
  • Fast decision & funding possible in 24 hours
  • No asset security required upfront to access Prospa funding up to $150K
  • Minimum $6K monthly turnover and 6 months trading to apply
Learn more about Small Business Loan
Apply now

Business Loan
Plus

Larger loans above $150K and up to $500K 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 $150K in Prospa funding
  • Minimum $1M annual turnover and 3 years trading to apply
Learn more about Business Loan Plus
Apply now

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
Learn more about Business Line of Credit
Apply now
01

Apply online in under 10 minutes

For a loan, you'll need your recent trading figures to refer to. If you're signing up for our Business Account, have your ID documents handy.
02

Get a same-day decision

Apply for a loan and you'll get a decision within a business day - often just a few hours. We'll reach out to explain the process and answer any questions you have.
03

Access your funds

Once your loan is approved, the funds are automatically transferred and could be in your account as soon as the next business day.
01

Apply online in under 10 minutes

For a loan, you'll need your recent trading figures to refer to. If you're signing up for our Business Account, have your ID documents handy.
02

Get a same-day decision

Apply for a loan and you'll get a decision within a business day - often just a few hours. We'll reach out to explain the process and answer any questions you have.
03

Access your funds

Once your loan is approved, the funds are automatically transferred and could be in your account as soon as the next business day.

Why Prospa? It’s today’s way to borrow.

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.

Flexibility

Fast application and decision, and funding possible in 24 hours on flexible options up to $500K.

Support

A dedicated Business Lending Specialist will get to know you and your business and provide a personalised solution.

Confidence

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

Get in touch

Customers making it happen with a Prospa loan

Read Customer Stories
Angelli Morilla
Tita’s Cakes
“I feel safe knowing that Prospa is there to support us,”
Scott Chappell
Black Market Bagels
“Without Prospa, I wouldn’t have been able to scale as quickly or as smoothly.”
Sacha Alagich
Escape to paradise
“Prospa reduces my stress around finances and lets me focus on my business and customers.”
Donna Sklavos
Donna's Beauty Cottage
“It’s like having a safety net and it helps me manage my cashflow,”
Lily Kahramanian
Workdog Creative
“The Line of Credit was like a security blanket while we trialed and tested our new business model,”

FAQs

Frequently asked questions

Using a commercial loan calculator, you can get an at-a-glance idea of how a lump sum cash injection or access to a Business Line of Credit could help your business to prosper and thrive. Small Business Loans with Prospa help to provide you with peace of mind, covering short-term cash flow set backs, assisting with updating equipment or your premises, purchasing urgent stock replenishments, covering costs for your suppliers.

We’re investing in your business so we want you to grow and succeed. We’re not like all the other commercial lenders. Prospa is about helping your business to really succeed. We have already lent over $1.65 billion to local business throughout the country and provided ongoing specialist support to our clients to keep their momentum going.

Business loans with options such as access to an overdraft facility could help you to manage fluctuations throughout seasonal changes, or boost your staff numbers in a hurry to cover peak periods or fast business growth. Whatever your business needs to grow, Prospa’s business finance options can help.

With cash flow friendly repayment options, we’ll work with you to arrange the best terms for your small business finance.

We offer business loans of up to $150K. No asset security required upfront to access Prospa funding up to $150K. Decision is quick and simple, and once approved funding is possible in 24 hours or one business day.

Our team of commercial finance brokers are interested in supporting your business and helping it to grow. Our commercial loan products are designed to support your business growth so your dedicated loan specialist will discuss with you the best terms and repayment options for you. Terms from between 3 – 36 months. No asset security required upfront to access Prospa funding up to $150K.

Apply online today or speak with someone from our team of friendly finance brokers about how Prospa could help your business thrive.