Limited time offer: No repayments on business loans for the first 6 weeks. Offer ends June 30. T&Cs. Apply now.

Let's make business happen

We’re here to help you confidently find SME lending opportunities, connect your clients with the funding they need, and win more business with the best Prospa offer on the table.

Find, connect and win more business

Unleash the potential of every small business

Micro Small
Business

Businesses underserved by the traditional banking system who value, above all else, simple loans with minimal paperwork.

Emerging Small
Business

Businesses with an unplanned, urgent need for capital who value, above all else, speed of access to funds and loan flexibility.

Established Small Business

Businesses exploring the value in alternative lending who value, above all else, comparing options before making a calculated decision.

Small business eligibility criteria

Every business is unique, so if an applicant doesn’t meet all the required criteria, we can look at them on a case-by-case basis. Loadings, exclusions, and exceptions apply.

Unlock a new tier of pricing

Continue to support those businesses underserved by the traditional banking system or have an unplanned, urgent need for capital, and now unlock a new tier of pricing to win more business in the Established Small Business segment.
Micro and Emerging Small Businesses Established Small Business
Turnover > $6K per month, on average > $100K per month, on average​ > $300K per month, on average​ > $700K per month, on average​
Time trading​ > 6 months > 2 years > 3 years > 3 years
Credit score​ > 550 > 650 > 650
Account conduct​ Good Excellent Excellent Excellent
Documents​ > 6 months Bank Statements > 6 months Bank Statements​ > 6 months Bank Statements​ > 6 months Bank Statements​
Rates (Annual Percentage Rate) From 29.95% (APR) From 23.95% to 24.95% (APR) From 19.95% to 20.95% (APR) From 17.95% (APR)
Rates (Annual Simple Rate) Estimated from 15.99% (ASR) Estimated 12.65% to 14.05% (ASR)​ Estimated 10.47% to 11.60% (ASR)​ Estimated 9.39% to 9.80% (ASR)
Building & Trade From 29.95% (APR) From 20.00% (APR) or from 10.49% (ASR)*​ From 20.00% (APR) or from 10.49% (ASR)*​ From 20.00% (APR) or from 10.49% (ASR)*

Have a scenario?

Have a scenario?

Have a scenario?

Have a scenario?

Have a scenario?

The alternative lender of choice

Speed

Applications in under 10 minutes, quick decisions and funding possible in hours.

Flexibility

Repayment terms between 3-36 months with the freedom to make extra repayments and pay out their loan early to save on interest.

Support

Our locally focused BDMs are here to help you confidently find the SME opportunities with greater transparency and clarity