Flexible Funding Solutions for Retail Growth

Fuel Your Retail Growth with Prospa's Flexible Cash Flow Solutions

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Flexible business funding to get you where you need to be

When you’re thinking ‘growth’, don’t let a lack of funds stop you in your tracks. We’ve helped hundreds of retail businesses make their next brave move with our flexible range of cash flow solutions.

Whether you want to build an online empire, invest in next-level POS tech, promote a massive sale, or just enjoy a bit of cash flow backup – talk to Prospa. 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?

Compare products

Small Business
Loan

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

  • Fixed term up to 3 years with fixed rates
  • Fast decision & funding possible in 24 hours
  • No asset security required upfront to access Prospa funding up to $150K
  • Minimum $6K monthly turnover and 6 months trading to apply
Learn more about Small Business Loan
Apply now

Business Loan
Plus

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

  • Fixed term up to 5 years with fixed rates
  • No credit checks to see if you are eligible
  • Security may be required when accessing over $150K in Prospa funding
  • Minimum $1M annual turnover and 3 years trading to apply
Learn more about Business Loan Plus
Apply now

Line of Credit

Ongoing access to up to $500K 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 $6K monthly turnover and minimum 2 years trading history to apply
Learn more about Business Line of Credit
Apply now

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

Get in touch

Cashflow or Growth. We help retailers with both!

As a business owner operating in the retail industry, you know that cash flow can play 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. Talk to Prospa – we can help you apply for a flexible funding solution for your retail business’s needs – whatever they may be.

Stock

Purchase inventory, introduce a new product, pay in bulk to secure a great discount and increase profit margins.

Improvements

Remodel your physical store, purchase new furniture, update equipment, upgrade to new POS technology, smarten up your interior.

Staff

Pay wages, hire casual staff during busy periods, train new staff, reward staff with incentives.

eCommerce

Build, promote and run an online store to extend your reach and grow your business.

Marketing

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.

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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.

How our customers have put their funds to work

Read Customer Stories
Lily Kahramanian
Workdog Creative
“The Line of Credit was like a security blanket while we trialed and tested our new business model,”
Scott Chappell
Black Market Bagels
“Without Prospa, I wouldn’t have been able to scale as quickly or as smoothly.”
Angelli Morilla
Tita’s Cakes
“I feel safe knowing that Prospa is there to support us,”
Sacha Alagich
Escape to paradise
“Prospa reduces my stress around finances and lets me focus on my business and customers.”
Donna Sklavos
Donna's Beauty Cottage
“It’s like having a safety net and it helps me manage my cashflow,”

Awards, thanks to your support

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

Year Award Category
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
2024 Great Place to Work Recognised as one of the Top 10 Best Workplaces in Technology
2024 Work180 Recognised by WORK180 as one of Australia’s top 101 workplaces for women

See more awards