Easy Business Loans

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 $1.65 billion lent to over 29,400 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.

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.


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


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


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


Business loans frequently asked questions

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 $250,000, 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.

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.

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 $150,000. No asset security required upfront to access Prospa funding up to $150,000. You don’t need collateral to apply, and there’s minimal documentation. For amounts over $150K, your last 2 years financial reporting may be required.

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

Awards, thanks to your support

It’s nice to know we’re doing something right

Year Award Category
2024 The Adviser Magazine's Product of Choice: Non-Banks Survey Winner, Best short-term loan
2024 FINNIES Fintech Australia Awards Finalist, Excellence in Business Lending
2024 The Adviser Magazine's Product of Choice: Non-Banks Survey Winner, Best SME loans less than $250K
2024 Great Place to Work Recognised as one of the Top 10 Best Workplaces in Technology
2024 Work180 Recognised by WORK180 as one of Australia’s top 101 workplaces for women

See more awards