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Small business owners

All ¹⁴
Day to day hustle ⁶
Manage your finances ⁵
Growing your business ³

11 Oct 2023

Day to day hustle
Generative AI
Small business owners
Technology

AI tips for small businesses

11 Oct 2023

25 Sep 2023

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

Sandi Larkin’s tips for small business growth

25 Sep 2023

07 Jul 2023

Day to day hustle
Artificial intelligence
Loan calculator
Small business owners
Technology

4 ways small businesses are using generative AI

07 Jul 2023

09 May 2023

Manage your finances
Finance
Line of credit
Profit margin
Small business expenses
Small business owners

How to choose a pricing model

09 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

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

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

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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

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Prospa solutions

Partner blog

Inside Prospa

Small business owners

AI tips for small businesses

Sandi Larkin’s tips for small business growth

4 ways small businesses are using generative AI

How to choose a pricing model

6 disaster planning tips for small businesses

Cash flow management: How Matley tracks cash flow each month

Prospa Small Business Loan

Prospa Business Loan Plus

Prospa Line of Credit

Prospa
Small Business Loan

Prospa
Business Loan Plus

Prospa
Line of Credit