Automate and accelerate your business

Fund your next big move:

  • Upgrade software for increased efficiency
  • Tap into new digital client opportunities
  • Get tech savvy and stay ahead of the curve

Apply Now Talk to a lending specialist

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).

Prospa Small Business Loan

Quick access to $5K$150K to cover unexpected expenses or a one-off purchase.

  • Fixed term up to 24 months with fixed rates
  • Fast decision & funding possible in 24 hours
  • No asset security required upfront to access Prospa funding up to $150K
  • Minimum $5K monthly turnover and 6 months trading to apply

Prospa Plus Business Loan

Larger loans above $150K and up to $500K to invest in your next business growth opportunity.

  • Fixed term up to 36 months with fixed rates
  • Dedicated Business Lending Specialist
  • Upfront asset security required; charge over the applying business entity(ies)
  • Minimum $1M annual turnover and 3 years trading to apply

Prospa Business Line of Credit

Ongoing access to up to $150K to keep your business moving.

  • Renewable 24 month term
  • Fast decision and funding possible in 24 hours
  • Only pay interest on what you use
  • Access funds 24/7 with the Mobile App
  • Minimum $5K monthly turnover and 6 months trading to apply

Talk to a business lending specialist

Leave your details below and one of our Business Lending Specialists will get in touch to help you find a solution that matches your needs.

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.

Outsourcing. Paying contractors to lighten the load and build efficiencies, hire an accountant or business adviser.
Improvements. Purchase software for efficiency and scalability, update your office furniture, give your premises a spruce up.

Marketing. Create awareness and acquire more clients through advertising, building a website or investing in social media.

And more. Having hassle-free access to funding can help give professional services providers the freedom to move quickly.

Resources for Professional Services providers

Want to broaden your customer base? Need tips on chasing invoices? Get a taste of how other businesses tackle challenges and opportunities across a range of industries

Visit our Blog or subscribe to our Newsletter.

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Practical tips from small business owners to help you manage the COVID-related surge in late payments and reduce an outstanding balance.

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eBook: How to nail the pricing of your services

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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.

Get in touch today.

Apply now

“When I’m waiting for the next invoice payment to come through, it’s nice to have the Prospa Line of Credit to know I can keep things moving in the meantime.”

Josh Secomb
Broad Reform, NSW

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Fintech Australia Prospa

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.