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EOFY

All ⁹
Manage your finances ⁹

28 Mar 2025

Manage your finances
EOFY

The ultimate EOFY checklist for NZ small businesses

28 Mar 2025

26 Mar 2025

Manage your finances
EOFY
Tax time

Small business tax deductions NZ: What expenses can you claim in 2025?

26 Mar 2025

21 Mar 2023

Manage your finances
Accounting
Accounts
Bookkeeping
Cash flow
EOFY
Tax

Bookkeeper vs accountant: Which is best for small business?

21 Mar 2023

22 Feb 2022

Manage your finances
EOFY
Small business
Tax

6 steps for EOFY success

22 Feb 2022

18 Mar 2021

Manage your finances
Cash flow
EOFY
Relationships
Unpaid invoices

Four ways to chase payments without losing relationships

18 Mar 2021

10 Feb 2021

Manage your finances
Accounting
EOFY
Taxes

5 EOFY tax mistakes to avoid

10 Feb 2021

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

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

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

Minimum 2 years trading history
Over $6K monthly turnover
Active NZBN and valid driver’s licence
Good credit history

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

6 months 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

Apply nowRead 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.

Fees, terms and conditions apply.

FSP663891 | NZBN 9429046731678

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Inside Prospa

EOFY

The ultimate EOFY checklist for NZ small businesses

Small business tax deductions NZ: What expenses can you claim in 2025?

Bookkeeper vs accountant: Which is best for small business?

6 steps for EOFY success

Four ways to chase payments without losing relationships

5 EOFY tax mistakes to avoid

Prospa Small Business Loan

Prospa Business Loan Plus

Prospa Line of Credit

Prospa
Small Business Loan

Prospa
Business Loan Plus

Prospa
Line of Credit