Limited time offer: No repayments on business loans for the first 6 weeks. Offer ends June 30. T&Cs. Apply now.

Company Lending

Looking for a loan for your company? Prospa’s business lending specialists can help you apply for the funding you need. Our loan products support small Aussie businesses across just about every industry to access funding for their company and achieve their business goals.

Our approach to business borrowing is faster and easier. With quick online applications requiring minimal documentation and funding possible in 24 hours, we’re making sure our money works for you – not the other way around.

Whether your business is trying to survive or you’re ready to expand and thrive, Prospa offers a range of flexible business lending products to help you finance your business’s future.

To learn more about how a Prospa small business loan could help your business, talk to a business lending specialist today.

Why Prospa?


With countless finance awards and an average 4.9 out of 5 star rating from over 6,600 verified reviews by satisfied business owners, the better question is: why not?

Every customer is different and their loans should reflect that. We assess each application individually and find the most suitable business borrowing solutions for your needs. Our quick applications and fast delivery of funds save business owners valuable time, while our flexible repayment schedules and early payout discounts offer precious savings.

Our customised business solutions bring our customers back time and time again. We’ve been privileged to watch many businesses grow using our funding to support their different stages of development.

To find out how our company lending solutions can help your business, talk to a member of our team. Or you can apply for business loan today.


The sweet taste of success


Just a few years after purchasing Hyde Park’s Fish out of Water, Adelaide owners Kate and Chris are racking up the awards and tasting the rewards of their commitment to local produce and people.

Recently voted first place (tied) for South Australia’s best fish ’n’ chip shop, they’ve also turned what started as a sweet little side hustle selling homemade desserts from a small space in their shop cabinet into a full-blown dessert bar in its own venue.

At the recommendation of their financial broker, Kate and Chris secured a Prospa small business loan to fund the first commercial kitchen fit-out and hire four new staff for their new business. They’ve since grown to a team of 11 and are running two additional pop-up stores with another standalone shop front on the way.

Read more about Cupkates Desserts success story here.


Our loans work hard so you don’t have to


When we designed our award-winning Prospa Small Business Loan, we listened and considered the needs of our customers instead of trying to create a one-size-fits-all company lending solution.

Our quick application process is perfect for businesses short on time and in need of cash flow access fast. Once approved, you won’t need to wait on hold during business hours, you can manage your money on the move with 24/7 access to funds and support through our mobile app and customer portal.

We’ve also worked to make the process of applying for business loans easier , offering the following instead:

  • Small business loans between $5K and $150K – no asset security required upfront to access Prospa funding up to $150K
  • Easy application with funding possible in 24 hours
  • Loan terms between 3 and 36 months
  • Flexible payment conditions and early payout discounts
  • Business loan interest rates calculated based on your business circumstances
  • 24/7 access to your account via the Prospa mobile app and customer portal

To get business booming try our business funding options, apply now.


Expected or unexpected expenses? We’ve got you covered.


We recognise that the needs of every business are different. That’s why we tailor our business lending solutions to each company.

A Prospa commercial loan can be applied to a wide range of business-related activities, including:

  • marketing and organisational strategy development
  • supporting working capital
  • increasing capacity of workforce or office space
  • office refurbishments and equipment repairs

Whatever your company lending needs, we’ve got you covered. Apply today and you could have funds tomorrow with Prospa.

Talk to Australia’s #1 online lender to small business

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.


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


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


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



Typically, working capital reflects the assets available to a company to be used to generate future revenue or support organisational growth. Working capital can be in the form of either debt or equity. Taking out a small business loan can be one way of raising a company’s capital.

It’s important to remember that both the initial working capital growth and the subsequent impact of that investment must be measured on an ongoing basis in order to maintain an accurate record of the company’s current capital value and avoid financial penalty.

Prospa offers some of the quickest company loan turnarounds in the business. Our commercial loan application process can be completed in as little as 10 minutes, and provided your loan request is approved, funding to your business account is possible within 24 hours.

We’ve made our company lending eligibility criteria easy. The only documents required for business loan of up to $250K with Prospa include:

  • An active ABN/ACN
  • Your business bank account details
  • Minimum trading history to demonstrate your monthly turnover is greater than $6K

As part of the application process, we’ll also run a credit check, so make sure you have an Australian government-issued ID such as your driver’s licence handy for verification.