Main Navigation

Blog
News
Partners

Blog
News
- - News home
  - Announcements
  - Insights
  - News
  - People
  - Community
  - Awards
Partners

Log in
- Log in
  Are you a Prospa customer or a partner?
  - Customer
  - Partner
Get started

Content types

Guide
Video
Infographic
Customer story
Resources

Topics

Cash flow
Technology
Marketing
Business planning
Innovation
Leadership
Finance

Industries

Building and trade
Professional services
Health and beauty
Hospitality
Transport

Prospa solutions

Prospa small business loan
Prospa business loan plus
Prospa business line of credit
Prospa business account
Prospa app

Partner blog

A curated collection of content for our partners

Inside Prospa

Product updates and insights from the Prospa team

Footer

Business planning

All ¹⁰
Growing your business ⁵
Day to day hustle ³
Manage your finances ²

15 Dec 2023

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

How 5 small businesses grow at local markets

15 Dec 2023

16 Nov 2023

Growing your business
Business planning
Employment
EOY
Hiring
Staffing

Short-term staffing solutions for the holidays

16 Nov 2023

01 Nov 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 Nov 2023

25 May 2023

Manage your finances
Budget
Business planning
Concessions
Federal budget
Rebates
Tax
Training

2023 budget falls short for most small businesses

25 May 2023

23 May 2023

Day to day hustle
Business planning
Small business losing money
Small business revenue

How I stopped my business from losing money

23 May 2023

21 Apr 2023

Day to day hustle
Business planning
Emergency planning
Revenue growth
Small business owners
Small business planning

6 disaster planning tips for small businesses

21 Apr 2023

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?

Apply for funds

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 0.0046%

Weekly

Both products are repaid weekly Only pay interest on what you use + weekly service fee 0.0046%

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

Apply nowRead more

Home
Small Business Loan
Business Loan Plus
Business Line of Credit
Business Loans New Zealand
Business Loan Calculator

About
News
Careers
Blog
Contact us

Privacy Policy
Consent Information
Prospa Reviews
Community Guidelines
Sitemap

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

Fees, terms and conditions apply.

FSP663891 | NZBN 9429046731678

Download the Prospa App

Log in

Customer

Partner

Categories

Content types

Topics

Industries

Prospa solutions

Partner blog

Inside Prospa

Business planning

How 5 small businesses grow at local markets

Short-term staffing solutions for the holidays

What the general election means for small businesses

2023 budget falls short for most small businesses

How I stopped my business from losing money

6 disaster planning tips for small businesses

Prospa Small Business Loan

Prospa Business Loan Plus

Prospa Line of Credit

Prospa
Small Business Loan

Prospa
Business Loan Plus

Prospa
Line of Credit