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Growing your business

Whether you’re looking to attract new customers, boost your offering or expand your team, growing your business is both an exciting and daunting prospect. Equip yourself with the necessary insights and strategies to fuel your growth journey, so you can navigate new opportunities with confidence and turn your business vision into reality.

How 5 small businesses grow at local markets

15 December 2023

Growing your business
Business planning
Employment
EOY
Hiring
Staffing

Short-term staffing solutions for the holidays

16 November 2023

Growing your business
Business planning
General election 2023
Payroll
Small business legislation
Tax and regulation

What the general election means for small businesses

01 November 2023

Growing your business
Cyber attacks
Cybersecurity
IT provider
Payments systems
Technology

Tips to improve your business’s cyber security

28 September 2023

Growing your business
Customer retention
Health and beauty
Leadership
Small business owners

Sandi Larkin’s tips for small business growth

25 September 2023

Growing your business
Business lending
Finance
Small business loans

Using external funding to grow

29 August 2023

Growing your business
Business planning
Small business growth
Small business markets
Small business tips

How 5 small businesses grow at local markets

15 December 2023

Growing your business
Business planning
Employment
EOY
Hiring
Staffing

Short-term staffing solutions for the holidays

16 November 2023

Growing your business
Business planning
General election 2023
Payroll
Small business legislation
Tax and regulation

What the general election means for small businesses

01 November 2023

Growing your business
Cyber attacks
Cybersecurity
IT provider
Payments systems
Technology

Tips to improve your business’s cyber security

28 September 2023

Growing your business
Customer retention
Health and beauty
Leadership
Small business owners

Sandi Larkin’s tips for small business growth

25 September 2023

Growing your business
Business lending
Finance
Small business loans

Using external funding to grow

29 August 2023

Most recent

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Marketing ¹³
Cash flow ⁷
Business planning ⁵
Technology ³
Innovation ³
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Leadership ²
Finance ²
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25 Aug 2023

Growing your business
Cash flow
Leadership
Small business finance

Infographic: Overcoming small business challenges

25 Aug 2023

10 Aug 2023

Growing your business
Marketing

“I wish someone had told me that”: Holly Royal

10 Aug 2023

17 May 2023

Growing your business
Local Business Hero Awards
Local Business Hero competition
Neighbourly
Small business hero

2023 Prospa Local Business Hero Awards

17 May 2023

03 May 2023

Growing your business
Manage your finances
Small business inspiration
Cash flow
Customer success story
New Zealand small business
Small business loan
Video

How Buttercream grew from hobby to thriving business

03 May 2023

07 Dec 2022

Growing your business
Commerce
Growth tactics
Loyalty
Marketing
Retail
Sales

How small retailers can apply big growth advice

07 Dec 2022

03 Aug 2022

Growing your business
Recruitment
Staff retention
Staff wellbeing

BusinessDesk x Prospa: 4 ways small business owners can recruit and retain staff

03 Aug 2022

Prospa solutions

Prospa
Small Business Loan

Quick access $5K - $150K

Learn more

Prospa
Business Loan Plus

Larger loans $100K - $500K

Learn more

Prospa
Line of Credit

Ongoing access to funds up to $150K

Learn more

Get started

Which product are you interested in?

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Small business lending  to match your business needs

Open an account

A business transaction account to help you manage cash flow

Compare our products

Select Product #1

Line of Credit
Small Business Loans
Business Loan Plus

Select Product #2

Line of Credit
Small Business Loans
Business Loan Plus

Best for when you need

To build cash flow confidence

Fast access to funds

Funds for bigger plans

To build cash flow confidence

Fast access to funds

Funds for bigger plans

Eligibility

Minimum trading history applies
Over $6K monthly turnover
Active NZBN and valid driver’s licence
Good credit history

Minimum trading history applies
Over $6K monthly turnover
Active NZBN and valid driver’s licence
Good credit history

Minimum trading history applies
Over $6K monthly turnover
Active NZBN and valid driver’s licence
Good credit history

Minimum trading history applies
Over $6K monthly turnover
Active NZBN and valid driver’s licence
Good credit history

Minimum trading history applies
Over $6K monthly turnover
Active NZBN and valid driver’s licence
Good credit history

Minimum trading history applies
Over $6K monthly turnover
Active NZBN and valid driver’s licence
Good credit history

Asset security

No upfront property security for up to $150K in Prospa funding

Security may be required when accessing over $150K in Prospa funding

No upfront property security for up to $150K in Prospa funding

Security may be required when accessing over $150K in Prospa funding

Loan size

From $2K to $500K

From $5K to $150K

From $150K to $500K

From $2K to $500K

From $5K to $150K

From $150K to $500K

Loan term

2 years, with option to renew

Up to 3 years

Up to 5 years

2 years, with option to renew

Up to 3 years

Up to 5 years

Interest

Both products do not require Asset security Interest calculated on the funds you use, not on the limit.

Fixed interest rate

Both products do not require Asset security Interest calculated on the funds you use, not on the limit.

Fixed interest rate

Payments structure

Use and reuse as often as you like during 24 month renewable term

Receive your full loan amount as a lump sum

Use and reuse as often as you like during 24 month renewable term

Receive your full loan amount as a lump sum

Repayment frequency

Both products are repaid weekly Only pay interest on what you use + weekly service fee 0.046%

Weekly

Both products are repaid weekly Only pay interest on what you use + weekly service fee 0.046%

Weekly

Online access

Both products can be accessed through the Prospa App and Prospa Online

Prospa App and Prospa Online

Both products can be accessed through the Prospa App and Prospa Online

Prospa App and Prospa Online

Dedicated lending specialist

Visa debit card not available Yes

Yes

Visa debit card not available Yes

Yes

Visa debit card

Dedicated lending specialist not available No

Apply now Read more

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Eligibility and approval is subject to standard credit assessment and not all amounts, term lengths or rates will be available to all applicants.

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Inside Prospa

Growing your business

How 5 small businesses grow at local markets

Short-term staffing solutions for the holidays

What the general election means for small businesses

Tips to improve your business’s cyber security

Sandi Larkin’s tips for small business growth

Using external funding to grow

How 5 small businesses grow at local markets

Short-term staffing solutions for the holidays

What the general election means for small businesses

Tips to improve your business’s cyber security

Sandi Larkin’s tips for small business growth

Using external funding to grow

Infographic: Overcoming small business challenges

“I wish someone had told me that”: Holly Royal

2023 Prospa Local Business Hero Awards

How Buttercream grew from hobby to thriving business

How small retailers can apply big growth advice

BusinessDesk x Prospa: 4 ways small business owners can recruit and retain staff

Prospa Small Business Loan

Prospa Business Loan Plus

Prospa Line of Credit

Prospa
Small Business Loan

Prospa
Business Loan Plus

Prospa
Line of Credit