Automate and accelerate your business

Fund your next big move:

Flexible business funding for your ‘next level’

Tired of balancing the competing demands of your business? Invest in your tech capabilities and shave hours off admin, boost productivity and focus on the things that really matter to you.

Prospa’s flexible range of funding solutions could be just the ticket! It takes just 10 minutes to apply online for funds up to $500K, and approved funding is possible in just 24 hours. What are you waiting for?

Plus, approved loans also come with the option of no repayments for the first 4 weeks to help you focus on the here and now. (Term will be extended and interest will accrue from the settlement date to the end of the term).

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

Cashflow or Growth. We help with both!

As a professional services provider, you know that cash flow plays a vital role in your business’s day-to-day. Plus, there are times when you might need funds to invest in your business to take it to the next level.

Whether you’re a lawyer, an accountant, in advertising or IT, or offer some other professional service to your clients, talk to Prospa about our flexible funding solutions. We can help you find an option to suit your business’s needs – whatever they may be.

Cover unpaid invoices

When billing and payments don’t quite line up, confidently maintain momentum.

Pay wages and suppliers

Pay suppliers on time, cover staff wages, hire casuals during busy periods, pay for training.


Paying contractors to lighten the load and build efficiencies, hire an accountant or business adviser.


Purchase software for efficiency and scalability, update your office furniture, give your premises a spruce up.


Create awareness and acquire more customers through advertising, launching a loyalty program or investing in social media.

And more

Having hassle-free access to funding can help give retailers the freedom to move quickly.

Recent articles

Stories to inspire you, tips to save you time

Why Prospa? Because we believe in small business.

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.

Awards, thanks to your support

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

Year Award Category
2024 Work180 Recognised by WORK180 as one of Australia’s top 101 workplaces for women
2023 Great Place to Work Recognised as one of the Top 20 Best Workplaces
2023 Great Place to Work Certified
2023 The Adviser Magazine's Product of Choice: Non-Banks Survey Winner, SME under $250K Loan of Choice
2023 The Adviser Magazine's Product of Choice: Non-Banks Survey Winner, SME over $250K Loan of Choice

See more awards

Things you should know: No repayment period available to approved customers who settle a new or refinanced Prospa Small Business Loan or Prospa Plus Business Loan. Approved customers can elect to take an optional initial no repayment period of between 1 to 4 weeks from the loan settlement date, during which interest will accrue but no repayments will be required. Total loan repayment term will be extended by the time equal to the selected no repayment period (1 to 4 weeks) and interest will accrue from the loan settlement date until the end of the term. Interest that accrues on the loan during the no repayment period is capitalised and included in the total interest expense, and forms part of the regular fixed daily or weekly principal and interest repayments due on each payment date following the end of the no repayment period. Not available to refinance an existing Prospa loan that is within a no repayment period at the time of application. Product settings may be amended or withdrawn without notice.