Borrow $5,000 to $250,000
and make no repayments for 4 weeks*

Get Started

Borrow $5,000 to $250,000
and make no repayments for 4 weeks*

Get Started

Loans that keep your business moving

Growth opportunities and unexpected challenges can pop up at any time, so don’t let EOFY get in your way. Access the funds you need quickly with Prospa – and make no repayments for 4 weeks*.

It takes just 10 minutes to apply for a small business loan of $5,000 to $250,000.
You’ll get a fast decision and funding is possible in 24 hours**.

Check our qualifying criteria


If your business has a turnover of more than $6,000 per month and can demonstrate either 6 months
of trading for a new business, or 3 months if you’ve purchased an existing business, we can help you.

Get Started

Why Prospa?

Trusted and secure small business loans

Advanced security

We use industry-recognised encryption standards and we’re ISO 27001 certified for our commitment to customer information (or data) security.

Trusted by over 12,000 businesses

We’ve already helped thousands of small businesses access the funds they need to grow.

World-class customer satisfaction

We’re backed by a Net Promoter Score of +77 and are ranked #1 in the money category on independent review site, Trustpilot1.

Over $500m in small business loans

We’ve supported Australian businesses with more than $500 million and counting.

Claim the $20,000 instant asset tax write-off

Thinking about purchasing assets to grow your business? Get the funds you need from Prospa and put your plans into action sooner. Assets purchased before 30 June could be eligible for a $20,000 instant asset write-off2.

What could you spend $20,000 on?

Update technology,
computers and printers

New office furniture
or shop fittings


Trade tools and

New and second-hand
work vehicles

Primary production
capital expenditure

How it works

We take the hassle out of getting a business loan

Easy application

Apply online in 10 minutes with no paperwork.

Fast decision

Get a decision in hours and you can receive funds in 24 hours.

Get ahead this EOFY

Give yourself room to breathe with nothing to pay until July 2018*.

What you need to have ready

For loans up to $100,000

– Your Driver’s Licence number
– Business ABN
– BSB and account number of your main trading account

Need more than $100,000?

You’ll also need some basic financial statements so we can evaluate the health of your business and see what kind of repayments your business can manage without stress.

No assets? No worries.

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


Borrow between $5,000 and $250,000 with loan terms from 3 to 24 months and cash flow friendly repayments.


Apply online in 10 minutes and you could receive funds in 24 hours.


Deal with a dedicated loan specialist throughout your loan journey.

Prefer to speak to someone?
Call us at 1300 882 867

Prefer to speak to someone?
Call us at 1300 882 867

“It was completely different from dealing with a bank. The very next day I got a phone call saying ‘I’ve got good news, you’ve got your money!’, and that led to my export deal!”

Nyoli Scobie, Owner
Truly Tea, NSW

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Get started with a Prospa
small business loan

We use real-time business data to get you qualified in minutes. There is no obligation to proceed.

Deferred payment offer is available on new loans only. For business loans settled between Monday 14 May 2018 and Thursday 31 May 2018 inclusive, no loan repayments required from the loan settlement date to 1 July 2018 (inclusive); loan repayments begin on Monday 2 July 2018. For business loans settled between Friday 1 June 2018 and Saturday 30 June 2018 inclusive, no loan repayments required from the loan settlement date for a period of 4 weeks (inclusive); loan repayments begin the day after the four-week deferral ends. Total loan repayment term will be extended by the period of time equal to your loan payment deferral; offers only available to customers with connected electronic bank statements; offers not available to partner loans on a partner red-hot offer rate; not valid in conjunction with any other offer; offer may be withdrawn without notice; standard approval criteria and terms and conditions apply. **Subject to Prospa’s standard credit approval criteria. Terms and conditions apply.

1. As at 7 May 2018.

2. This is not tax advice. Check with your tax advisor before you buy an asset to ensure you and the asset are eligible. See the ATO website for more details.