Small business finance
Our client-centered approach to small business finance and lending has been instrumental in transforming businesses like yours. By offering fast access to funds, we have supported thousands of business owners to grow and expand their operations, and manage their cash flow.
As an award-winning market leader, we take immense pride in our consistent 4.9/5 TrustScore, a testament to the unwavering trust our clients place in us. The exceptional support that Prospa’s lending experts bring to the table make all the difference in helping your business thrive and succeed. This sets us apart in the world of small business lending.
Small Business
Loan
Quick access to $5K – $150K to cover unexpected expenses or a one-off purchase.
- Fixed term up to 3 years with fixed rates
- Fast decision & funding possible in 24 hours
- No asset security required upfront to access Prospa funding up to $150K
- Minimum $6K monthly turnover and 12 months trading to apply
Business Loan
Plus
Larger loans above $150K and up to $500K to invest in your next business growth opportunity.
- Fixed term up to 5 years with fixed rates
- No credit checks to see if you are eligible
- Security may be required when accessing over $150K in Prospa funding
- Minimum $1M annual turnover and 3 years trading to apply
Line of Credit
Ongoing access to up to $500K to keep your business moving.
- Renewable 24 month term
- Fast decision and funding possible in 24 hours
- Only pay interest on what you use
- Access funds 24/7 with the Mobile App
- Minimum $6K monthly turnover and 12 months trading to apply
The big difference in small business finance
Our small business loans are available from $5,000 to $500,000, and for loans up to $150,000, no collateral is required. We offer flexible loan terms of between 3 and 36 months with fixed repayments.
Applying is a breeze with a 10-minute process, and you can expect a fast decision and funding within hours. At Prospa, we streamline small business finance, making it quick and easy. It’s time to unlock your small business’s potential.
Your trusted source for business funding
We know that every business is unique, and one size does not fit all. So whether you’ve only been operating for a short time, or you’re an established business seeking to expand, we have a solution to suit your needs.
For small businesses, finding the right financial support is crucial for growth and stability. Our funding options include specialised solutions designed to address the unique challenges faced by small businesses. Whether you require working capital, funds for new equipment or a line of credit to help you manage cash flow fluctuations, talk to Prospa.
At Prospa, we are committed to helping you overcome the challenges associated with running a business. We also understand that navigating the world of business loans can be daunting. That’s why we make the whole process easy, think fast applications with minimal paperwork, and knowing where you stand because you get a quick decision (often the same day). Sometimes it pays to compare business loans, but if you do, we’re sure Prospa’s complete focus on your small business will be the clincher. Talk to a business lending specialist to find the perfect loan to achieve your business goals.
There are small business loan providers and then there’s Prospa – New Zealand’s #1 online lender to small business.
Why Prospa?
We’re New Zealand’s small business lending specialist.
Choice
Borrow up to $500K with 10 minute application, fast decision and funding possible in 24 hours
Support
Confidence
have borrowed from Prospa.
You could benefit too.
Talk to a business lending specialist
Talk to a business lending specialist
Talk to a business lending specialist
Talk to a business lending specialist
Talk to a business lending specialist
Customers making it happen with a Prospa loan
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