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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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Technology

All ⁶
Growing your business ³
Day to day hustle ²
Manage your finances ¹

11 Oct 2023

Day to day hustle
Generative AI
Small business owners
Technology

AI tips for small businesses

11 Oct 2023

28 Sep 2023

Growing your business
Cyber attacks
Cybersecurity
IT provider
Payments systems
Technology

Tips to improve your business’s cyber security

28 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

19 Jan 2021

Growing your business
Customer relationships
Future-proofing
Mental health
Outsourcing
Technology

How to make 2021 yours for the taking

19 Jan 2021

24 Nov 2020

Manage your finances
Finance
Inventory
Stock
Technology

Infographic: Your small business inventory management guide

24 Nov 2020

13 Oct 2020

How the retail industry is beating 2020 | Prospa NZ

Growing your business
Ecommerce
Online shopping
Technology
Website

3 ways the retail sector is beating 2020

13 Oct 2020

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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Categories

Content types

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Prospa solutions

Partner blog

Inside Prospa

Technology

AI tips for small businesses

Tips to improve your business’s cyber security

4 ways small businesses are using generative AI

How to make 2021 yours for the taking

Infographic: Your small business inventory management guide

3 ways the retail sector is beating 2020

Prospa Small Business Loan

Prospa Business Loan Plus

Prospa Line of Credit

Prospa
Small Business Loan

Prospa
Business Loan Plus

Prospa
Line of Credit