Could 25% of global retail sales be
online by 2024?*

Invest in your online capabilities:

  • Apply for up to $300K for your business
  • Hassle-free application and quick decision
  • Flexible funding and early payout options

Apply Now Talk to a retail lending specialist

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 $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 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.


Check out these articles packed with hints and tips to keep your small business moving.
Want more? Visit our Blog or subscribe to our Newsletter.

“I wish someone had told me that”: Mary Read, Reads of Woollahra

23 April 2021 | 7 min read

Mary Read, founder of Reads in Sydney’s Woollahra, has experienced the highs and lows of Australia’s fashion retail industry up close.

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How this salon made online retail a key part of their business

24 September 2020 | 5 min read

Hair salon owners Amanda and Peter Rickman wanted to grow their online retail shop by investing in more inventory. In turn, revenue has increased by 10-15%.

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I wish someone had told me that… David King, Sticky

16 February 2021 | 5 min read

Early in 2020, David King’s lolly shop Sticky was facing bankruptcy. Now, after generating a massive online following, the business has become an award-winning international brand.

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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

“Prospa has been really good for me. They’ve kept me in business, as opposed to maybe finding it too hard and deciding I was going to give it up or sell.”

Julie Wallace
Verdaflore, NSW

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Fintech Australia Prospa


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.