Prospa is now open on Saturdays. Call our team between 10am & 4pm to discuss your loan.

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.


Apply online in 10 minutes with funding possible in 24 hours.


Borrow between $5,000 and $300,000 with loan terms from 3 to 24 months and cash flow friendly repayments.

No assets? No worries.

There’s no security required
to access up to $100,000.


Deal with a dedicated Prospa loan specialist from application until funds hit your account.

We will help you assess your business potential

Dedicated 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.

Commercial finance options for:

  Business expansion

  Improvements such as business renovations

  Capital purchases

  Payroll support

  A marketing campaign or rebrand

Frequently asked questions

How do commercial loans work?

Using a commercial loan calculator, you can get an at-a-glance idea of how a lump sum cash injection or access to a regular 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 $1.35 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.


How long does it take to get a commercial loan?

We use a fast and simple application process providing for quick decisions and possible access to your new funds within 24hrs of your approval. You are required to provide only minimal documentation. Apply for up to $100,000 today with no security required.


How long are commercial loans?

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 can be from 3 months and no asset security is required for commercial loans up to $100,000.

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

Talk to an expert today

If you’re ready to understand your borrowing options get started here, or call us at 1300 882 867 and a business lending specialist will help you with any questions.