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A curated collection of content for our partners

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Product updates and insights from the Prospa team

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Staffing

All ⁶
Manage your finances ⁴
Growing your business ²

16 Nov 2023

Growing your business
Business planning
Employment
EOY
Hiring
Staffing

Short-term staffing solutions for the holidays

16 Nov 2023

03 May 2022

Growing your business
Cashflow
Staffing

Meet the 2022 Prospa Local Business Hero finalists

03 May 2022

10 Nov 2020

A small business’s EOY guide | Prospa NZ

Manage your finances
Cash flow
EOY
Hiring
Mental health
Staffing

Infographic: A small business end of year prep list

10 Nov 2020

25 Mar 2020

Cash flow tips for small businesses during COVID-19

Manage your finances
COVID-19
Innovation
Staffing
Tax

6 strategies to manage cash flow during COVID-19

25 Mar 2020

23 Mar 2020

Infographic: A small business guide to the economic stimulus package | Prospa NZ

Manage your finances
Coronavirus
Disruption
Staffing
Stimulus package

Infographic: A small business guide to the NZ economic stimulus package

23 Mar 2020

15 Nov 2019

Manage your finances
EOY
Small business tools
Staffing
Unpaid invoices

How small business owners can stay on top this silly season

15 Nov 2019

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 0.046%

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

Staffing

Short-term staffing solutions for the holidays

Meet the 2022 Prospa Local Business Hero finalists

Infographic: A small business end of year prep list

6 strategies to manage cash flow during COVID-19

Infographic: A small business guide to the NZ economic stimulus package

How small business owners can stay on top this silly season

Prospa Small Business Loan

Prospa Business Loan Plus

Prospa Line of Credit

Prospa
Small Business Loan

Prospa
Business Loan Plus

Prospa
Line of Credit