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

Keep your business moving with Small Business Loans from Prospa

We have been helping small businesses in Australia for years by providing quick and easy access to business loans. With more than $1.2 billion lent to over 20,000+ businesses around the country so far, Prospa is trusted by small business owners and is Australia’s #1 online lender to small business on TrustPilot.

More than just a lender, we support business owners through the ups and downs of business, help them find the best way to finance equipment, provide short-term assistance for cash flow challenges, and offer dedicated one-on-one support to help Aussies businesses thrive.


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.

Business loans Frequently asked questions

How easy is it to get a business loan?

Applying for a small business loan with Prospa is quick and easy. It takes only minutes to fill out our online form, then a quick chat with our friendly customer service team will finalise the application. If you apply for under $150,000, all you need is 6 months of bank statements, your ABN and your drivers licence. We aim to give quick approval, and if approved, funding is possible in 24 hours. We tailor loan repayments to suit your cash flow cycle – either daily or weekly.


How to get finance for a small business?

Depending on what you need the funds for, there are many commercial finance products available for small businesses. A business loan is great for business owners to fund larger purchases or one-off opportunities – and come with an upfront repayment schedule so you’ll know exactly when your loan repayments are due and how much you owe.

There’s also a business line of credit which is an amount you can use and reuse to purchase smaller items or support working capital. These act in a similar way to business overdrafts, by giving the business some breathing space at times throughout the year, like at end of month or quarter.

More than just a lender, our team at Prospa is here to help you find an appropriate finance option for your business. We’re available Monday to Saturday for ongoing support.


What do I need for a business loan?

If you’re looking for an unsecured commercial loan, there are many options available in the market.

At Prospa, we offer small business loans from $5,000 to $300,000 with no asset security required to access up to $100,000. You don’t need collateral to apply, and there’s minimal documentation. Up to $150,000 you only really need bank statements for your business accounts so we can look at your cash flow to assess the health of your business.

For easy business loans, choose the small business lending specialist with finance options designed especially for Aussie businesses. Speak to one of our friendly customer service team members today about how we can help your business to grow.

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.