How to get a business loan

How to get a business loan with Prospa?

It could not be easier. We provide short term business loans to thousands of small business owners just like you. Our secret to maintaining our 4.9/5 TrustScore is not really a secret at all – we put you, the client, first. By developing a loans structure and service philosophy which puts your business first, we have been able to help over 29,400 customers across Australia grow and expand their business futures.

How to get a business loan is a lot simpler than you might believe. Our application process can be completed entirely online taking only about 10 minutes. When you apply during business hours you will have your response usually within the hour and usually funds transferred to you within 24hrs.

Why should you choose Prospa?

We are Australia’s #1 business lender providing a flexibility and business focus you won’t get from the big banks.

How we put your business first:

  • Cash flow friendly repayments – get your business moving smoothly and keep it going with loan repayment options and terms designed to maintain your cash flow.
  • There are no penalties applied for early payout – managed to get your finances working faster than expected? No worries. Payout your loan amount ahead of time and we won’t penalise you for it.
  • Our fast and friendly service term ensure that you feel like a client and not just another number in the system.

Prospa has already helped thousands of businesses and business owners around Australia by providing over $1.65 billion in short term business loans. Be part of the Prospa success and expand your business with a business loan from us.


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

Awards, thanks to your support

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

Year Award Category
2023 FINNIES Finalist, Excellence in Business Lending
2023 FINNIES Finalist, Best Workplace Diversity
2023 MFAA Finalist, State Fintech Lender of the Year
2022 Work180 Endorsed Employer
2022 Great Place to Work Certified

See more awards