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Small business growth

All ⁷
Growing your business ⁴
Manage your finances ³

08 Apr 2025

Growing your business
Business visibility
Community engagement
Local business awards
Small business growth
Small Business Marketing

How community engagement can grow your small business

08 Apr 2025

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

18 Jul 2023

Manage your finances
Cash flow
End of financial year
Profit
Small business growth

5 tips to boost your business’s cash flow

18 Jul 2023

31 Mar 2023

Manage your finances
Cash flow
Small business growth
Small business owners

Cash flow management: How Matley tracks cash flow each month

31 Mar 2023

08 Nov 2021

Growing your business
Small business growth

This time tomorrow: How 5 businesses are taking action now for 2022

08 Nov 2021

24 Aug 2021

Resources
Payroll relief
Small business growth
Tax relief

Small business government support in New Zealand

24 Aug 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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Categories

Content types

Topics

Industries

Prospa solutions

Partner blog

Inside Prospa

Small business growth

How community engagement can grow your small business

How 5 small businesses grow at local markets

5 tips to boost your business’s cash flow

Cash flow management: How Matley tracks cash flow each month

This time tomorrow: How 5 businesses are taking action now for 2022

Small business government support in New Zealand

Prospa Small Business Loan

Prospa Business Loan Plus

Prospa Line of Credit

Prospa
Small Business Loan

Prospa
Business Loan Plus

Prospa
Line of Credit