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 $500,000
  • Fast decision and funding possible in 24 hours
  • No asset security required upfront to access Prospa funding up to $150,000
  • Apply online in just 10 minutes

Apply now Talk to a specialist

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.

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Prospa Small Business Loan

  • Borrow from $5K up to $150K as a lump sum over a fixed term of up to 36 months.
  • Minimum $6K monthly turnover and minimum trading history periods apply.
  • Great for managing cash flow, buying stock and equipment, or covering unexpected expenses.
Apply now

Prospa Business Loan Plus

  • Borrow from $150K up to $500K as a lump sum over a fixed term of up to 36 months.
  • Minimum $1 million annual turnover and 3 years trading to apply.
  • Often used for funding growth, renovations and refits, or equipment purchases.
Apply now

Prospa Business Line of Credit

  • Get ongoing access to funds up to $150K and only pay interest on the funds you use.
  • Minimum $6K monthly turnover and minimum trading history to apply.
  • Ideal for managing cashflow and unexpected expenses.
Apply now
01

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

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

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.
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Choice

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

Support

Talk to real people. Business Lending Specialists who are focused on getting you what you need, sooner.

Confidence

Thousands of small businesses have borrowed from Prospa so far.
You could benefit too.

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
Randi Thraves
Smokin Hot 'N Saucy Barbecue

"Prospa helped us again when banks said no, and we were able to continue on.”

Stoned Crystals Testimonial
Ashley and Jeremy
Stoned Crystals

“This new type of funding that Prospa does really is a gamechanger for small companies."
Urban Jungle Studios Testimonial
Dean Taylor
Urban Jungle Studios

“Prospa has given me the confidence that the business has got the capital behind it to make decisions.”

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 $150,000. No asset security required upfront to access Prospa funding up to $150,000. 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 – 24 month. No asset security required upfront to access Prospa funding up to $150,000.

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