Invoice finance, settled in hours
Bridge the gap between receiving a supplier invoice and getting paid by your customer. Get fast access up to $500K to pay your bills on time without dipping into your cash reserves.
Invoice finance
Prospa supports your business with a range of products and alternatives to invoice financing designed to help your business recover funds faster and support small business cash flow. Our invoice finance alternatives have been developed to take the strain off chasing your receivables and help you to keep your accounts flush and healthy.
With Prospa’s support you can concentrate on finding and expanding new business opportunities. We help small businesses by offering easy invoice finance alternatives and providing your accounts with the funds you need within 24hrs of your approved application. All of our finance products are available online so it’s quick and easy to apply, get approved and get the funds you need.
Working with your accounting software, we receive an accurate picture of your business financials instantly and offer products which can either loan the value of the invoices you have currently outstanding, or by discovering new and alternative small business finance options which give you more flexibility to expand and consolidate your growth opportunities. We ensure that your data is kept secure with bank-level encryption and we never share your information with third parties.
Our customers rely on us to help them grow. We won’t slow you down with additional paperwork or lengthy delays.
You may be familiar with invoice factoring products on offer from other business finance providers. With Prospa, our products advance your business 100% of the funds that your accounts need, when you need them. With easy repayment options which work with your business, Prospa assists your business health by maintaining the cash flow you need to optimise your accounts management.
If you think your business could benefit from one of our finance options, then chat with a consultant online today. Our team can help you reach the best finance product available for your small business. Join over 29,400 customers we have already helped and grow your business with Prospa.
A range of financing solutions
Small Business Loan
Fast access to keep business moving
- From $5K - $500K
- Funding possible in 24 hours
- Up to 5 year terms
- No upfront security up to $150K
Business Line of Credit
Ongoing access to funds to simplify cash flow
- From $2K - $500K
- Access funds anytime via the Prospa App
- Only pay interest on what you use
- No upfront security up to $150K
Business Loan Plus
A larger lump sum to invest in longer term plans
- From $500K - $1M
- Sharper rates when secured against your property
- Up to 5 year terms
- Upfront property security required
Choice
Borrow up to $1M with 10 minute application, fast decision and funding possible in 24 hours.
Support
Confidence
How our customers have put their funds to work
Read customer storiesAwards, thanks to your support
It’s nice to know we’re doing something right.
| Year | Award | Category |
|---|---|---|
| 2024 | Great Place to Work | Certified |
| 2025 | Great Place to Work | Recognised as one of Australia’s Best Workplaces for Women |
| 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 |