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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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Video

All ¹⁸
Small business inspiration ¹¹
Manage your finances ⁴
Growing your business ³

02 Aug 2023

Manage your finances
Small business inspiration
Cash flow
Customer success story
Line of credit
Small business loan
Video

Meet the entrepreneur who rebuilt a struggling equipment hire business

02 Aug 2023

03 May 2023

Growing your business
Manage your finances
Small business inspiration
Cash flow
Customer success story
New Zealand small business
Small business loan
Video

How Buttercream grew from hobby to thriving business

03 May 2023

14 Jul 2022

Growing your business
Manage your finances
Small business inspiration
New Zealand small business
Prospa success story
Small business loan
Video

How Matley has grown 15% by investing in people and technology

14 Jul 2022

01 Apr 2022

Manage your finances
Small business inspiration
Business finance
Cash flow
Community
Growth
Small business loan
Video

How Prospa helped the newly-wed owners of a fruit picking business to thrive

01 Apr 2022

17 Dec 2021

Growing your business
Small business inspiration
Cash flow
Video
Working capital

Business growth: From the garage to $100k monthly turnover

17 Dec 2021

09 Apr 2021

Small business inspiration
Foot traffic
Growing
Shop fit out
Signage
Video

How this local florist found fresh ways to flourish

09 Apr 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 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.

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Inside Prospa

Video

Meet the entrepreneur who rebuilt a struggling equipment hire business

How Buttercream grew from hobby to thriving business

How Matley has grown 15% by investing in people and technology

How Prospa helped the newly-wed owners of a fruit picking business to thrive

Business growth: From the garage to $100k monthly turnover

How this local florist found fresh ways to flourish

Prospa Small Business Loan

Prospa Business Loan Plus

Prospa Line of Credit

Prospa
Small Business Loan

Prospa
Business Loan Plus

Prospa
Line of Credit