Fast Business LoansFast, easy, flexible
Need cash flow now? Get up to $1M with Prospa's fast business loans. Apply today and you could receive funds as soon as the next day.
- Apply online in under 10 minutes
- Borrow from $5K to $1M
- Funding possible in 24 hours
Compare our business loans
For fast funds
Small Business Loan
- From $5K up to $500K
- Repayment terms up to 5 years
- Choose to earn 1 Qantas point for every $1 funded (up to 500,000 Qantas Points). Fees apply
- No upfront security required to access Prospa funding up to $150K
- Save on interest with unlimited extra repayments
Small Business Loan
minimum criteria
- From 6 months time trading
- Monthly turnover of $6K
- Property or asset ownership required over $150K
- Business owner must be 18+ years
- Business owner must be an Australian citizen or permanent resident
For big plans
Business Loan Plus
- From $500K up to $1M
- Repayment terms up to 5 years
- Choose to earn 1 Qantas point for every $1 funded (up to 500,000 Qantas Points). Fees apply
- Upfront property security required with flexible structuring and Loan Value Ratios (LVR) up to 100%.
- Save on interest with unlimited extra repayments
Business Loan Plus
minimum criteria
- From 3 years time trading
- Annual turnover of $2M
- Property or asset ownership required over $150K
- Business owner must be 18+ years
- Business owner must be an Australian citizen or permanent resident
What is a fast business loan?
Running a business means cash flow moves fast, and when you need funding, you need it to now. That’s why we offer business loans with flexible terms and funding possible in hours to keep things moving. With repayment options from up to 5 years, you can stay in control of your cash flow. Trusted by thousands with 4.5/5 TrustScore, we offer fast and flexible business funding solutions. Apply online today for a quick business loan or explore our full range of business finance options, with loan amounts up to $1M.
Your cash flow, your choice
Our calculator will help you estimate how much you’ll pay per week
See full T&CsPlease select a product
Or consider a Line of Credit
Why small businesses choose Prospa
Borrow from $5K to $1M
Funding possible within hours
Flexible terms
Make unlimited extra repayments to reduce interest and pay off your loan faster.
Minimal paperwork
No long, stressful forms. We keep things simple so you can stay focused on running your business.
Fast approvals
Once we have the details we need, your application can be approved in as little as one business day.
Manage anytime, anywhere
Stay on top of your loan and cash flow on the go with the Prospa App or Prospa Online.
Easy application
Apply online in under 10 minutes, with no impact to your credit score just to check eligibility.
01
Apply in minutes
02
Get a fast decision
03
Access your funds
Small Business Loan
minimum criteria
- From 6 months time trading
- Monthly turnover of $6K
- Property or asset ownership required over $150K
- Business owner must be 18+ years
- Business owner must be an Australian citizen or permanent resident
Quick business finance designed for Australian small businesses
Need an urgent business loan? We provide fast business loan approvals so you can get funds quickly. With same day approvals and no upfront security required for loans up to $150K, getting an instant business loan has never been easier. Plus, our flexible early repayment options let you pay off your loan sooner, helping you save on interest. Apply online today, no credit check to see if you are eligible!
Business funding now takes you further
Choose to earn 1 Qantas Point for every $1 funded on eligible Prospa Business Loans. Fees apply.
Choice
Borrow up to $1M with 10 minute application, fast decision and funding possible in 24 hours.
Support
Confidence
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
Customers making it happen with a Prospa loan
Read Customer Stories
Awards, thanks to your support
It’s nice to know we’re doing something right
| Year | Award | Category |
|---|---|---|
| 2026 | Great Place to Work | Recognised as one of Australia’s Best Workplaces for Women |
| 2025 | Broker Innovation Summit | Finalist, Innovator of The Year |
| 2026 | Great Place to Work | Certified |
| 2026 | Broker Innovation Summit | Winner, Innovator of The Year |
| 2026 | FINNIES | Finalist, Excellence in Business Lending |
