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 $300K, and approved funding is possible in just 24 hours. What are you waiting for?

Small Business Loan

Quick access to a lump sum to cover one-off expenses or invest in your business.

  • Borrow between $5,000 and $300,000
  • Fixed term between 3 and 36 months
  • No repayments for the first 4 weeks now available
  • Flexible repayments and early payout available
  • Fast decision and funding possible in 24 hours
  • Minimum 6 months trading to apply
  • No asset security required upfront to access Prospa funding up to $150K
  • Interest rates based on your business circumstances

Business Line of Credit

Ongoing access to funds to cover unexpected cash flow gaps
and keep your business moving.

  • Facility limit between $2,000 and $150,000
  • Renewable 24-month term
  • Only pay interest on what you use
  • Fast decision and funding possible in 24 hours
  • Minimum 6 months trading to apply
  • No asset security required upfront to access Prospa funding up to $150K
  • Interest rates based on your business circumstances

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.

The small business resilience project: productising for profit

21 June 2021 | 6 min read

Three small business owners share their advice on how to reach new customers, expand revenue streams and build business resilience by productising services.

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How to stop chasing invoices and start getting paid

03 March 2021 | 2 min read

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

02 August 2020 | 2 min read

Are your prices right? Here’s what you need to know about setting your pricing strategy.

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Why Prospa? Because we believe in small business.

No more compromising or missed opportunities with Prospa by your side. Apply to access funds for growth and cash flow support in a fraction of the time and without all the fuss. It’s what we do.

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. 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.