Limited time offer: No repayments on business loans for the first 6 weeks. Offer ends June 30. T&Cs. Apply now.

Short Term Business Loans

Get the financial boost you need to flourish

Short Term Business Loans

Prospa provide business owners like you with short term business loans of up to $150,000 available over terms of 3 – 24 months. We have helped thousands of Australian business owners by providing funding solutions to help grow and expand businesses all over the country.
Short term business loans from Prospa could you help you to realise your business potential by providing the cash injection your business needs to meet the demands of a growing market and truly flourish. Short term business loans can help you achieve a range of dreams like:

  • Updating your shopfront, workshop space or office.
    Give your shop a facelift or invest in a more efficient workshop space with the latest technology and machinery.
  • Stock up before peak sales periods.
    Are you expecting big sales coming into peak periods? Expand your stock and inventory ahead of time.
  • Rebranding your business.
    Rebrand your business with an updated logo and new marketing materials. Launch your new brand with a broad scale marketing campaign and advertising space.

Whatever you need your short term business loans for, Prospa is here to help. We have maintained our 4.9/5 TrustScore rating by putting our business customers first and offering flexible loans options which help to build your business growth. Our repayment terms are cash flow friendly and we don’t charge penalties on early payouts.

Our focus is on providing fast and friendly service for clients. Your application will take 10 minutes and you could receive you approval within the hour. When applying during business hours, you could even have your funds transferred as quickly as 24 hours later.

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

Why Prospa?

It’s today’s way to borrow. No more compromising or missed opportunities with Prospa by your side. With hassle-free application, 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.


Borrow up to $500K with 10 minute application, fast decision and funding possible in 24 hours.


A dedicated Business Lending Specialist will get to know you and your business and provide a personalised solution.


Join thousands of Aussie small businesses who thrive with the support of 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 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
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

See more awards