You’ve got a plan,
let’s make it happen
A range of lending solutions and a dedicated business account to match your business needs

Prospa Small Business Loan
Borrow from $5,000 to $150,000 as a lump over a fixed term of up to 36 months. Great for managing cash flow, buying stock and equipment, or covering unexpected expenses

Prospa Business Loan Plus
Borrow from $150,000 to $150,000 as a lump sum over a fixed term of up to 36 months. Often used for funding growth, renovations and refits, or equipment purchases.

Prospa Business Line of Credit
Get ongoing access to funds up to $150,000 and only pay on the interest funds you use. Ideal for managing cashflow and unexpected expenses.

Prospa Small Business Loan
Borrow from $5,000 to $150,000 as a lump over a fixed term of up to 36 months. Great for managing cash flow, buying stock and equipment, or covering unexpected expenses

Say hello to our Business Account
Meet the smart, new transaction account made to help small businesses manage their cash flow. It’s free, easy-to-use and you can apply online in minutes.



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Common questions answered
We can often provide a response in one hour – as long as you apply during standard business hours and allow us to use the advanced bank verification system link to instantly verify your bank information online. If you choose to upload copies of your bank statements we can provide a decision in as little as one business day.
If you apply before 4pm on a business day and your application is approved, it is possible to have money in your account the next business day.
The total amount of your loan will depend on the specific circumstances of your business. We consider a variety of factors to determine the health of your business and based on this information, Prospa may be able to provide you a loan amount up to $150K.
Prospa business loan?
When you apply for our business loan, we will assess the risk profile of your business and provide you with a customised offer including loan amount, term and interest rate. Interest rates vary based on things like your industry, how long you’ve been in business, and the health of your cash flow.When you take out a business loan with Prospa, the only fee you will incur is an origination fee. There are no hidden fees for our business loans, and you’ll know exactly how much you need to pay and when from day one. There’s no compounding interest and no additional fees (as long as you make your payments on time).If you wish to receive your individual rate from Prospa, you should call on 1300 882 867 or complete our easy online application .
To help you avoid missing repayments we offer repayments that fit in with your cash flow cycle – either daily or weekly. These are automatically deducted from your nominated business account. You can choose to repay the entire amount of your loan early at any time. If you decide to do this please speak to our friendly business loan specialists on 1300 671 307. They will provide you with repayment details and an early payout figure. This will be calculated as the total of the remaining principal amount and any accrued interest at the date of early payout, plus 1.5% of the remaining principal and any outstanding fees.
protected by Prospa?
Protecting your information, and being clear about how we collect, use, exchange and protect your information, is of huge importance and a vital part of our relationship with you. View our Privacy Policy.
protected by Prospa?
Protecting your information, and being clear about how we collect, use, exchange and protect your information, is of huge importance and a vital part of our relationship with you. View our Privacy Policy.