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Budget

All ⁷
Manage your finances ⁶
Growing your business ¹

22 Mar 2022

Growing your business
Budget
Business roadmap
Forecast
I wish someone had told me that
Revenue stream

“I wish someone had told me that”: Steve Timmis, Fossey’s Gin

22 Mar 2022

05 Jul 2021

Manage your finances
Accounting
Assets
Budget
Cash flow
Growth
Liabilities

What is working capital?

05 Jul 2021

16 Dec 2020

Manage your finances
Budget
Cash flow
Hiring
Investments
Invoices
Technology

New year, new you: Set your business up for financial success in 2021

16 Dec 2020

15 Jan 2020

Understanding your level of financial commitment | Prospa

Manage your finances
Accounting
Budget
Business finance
Cash flow

Know your limits: Understanding your level of financial commitment

15 Jan 2020

02 Jan 2020

3 cash flow resolutions to make this year | Prospa

Manage your finances
Accounting
Budget
Cash flow
Growth
Tax

On the front foot: 3 cash flow resolutions to make this year

02 Jan 2020

02 May 2018

Manage your finances
Budget
Cash flow
Overheads
Profit

9 cash flow mistakes to avoid as an owner

02 May 2018

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

Business Loan Plus
Small Business Loans
Line of Credit

Select Product #2

Business Loan Plus
Small Business Loans
Line of Credit

Best for when you need

Funds for bigger plans

Fast access to funds

To build cash flow confidence

Funds for bigger plans

Fast access to funds

To build cash flow confidence

Eligibility

6 months minimum trading history applies
Over $6K monthly turnover
Active ABN and valid driver’s licence
Good credit history

6 months minimum trading history applies
Over $6K monthly turnover
Active ABN and valid driver’s licence
Good credit history

6 months minimum trading history applies
Over $6K monthly turnover
Active ABN and valid driver’s licence
Good credit history

6 months minimum trading history applies
Over $6K monthly turnover
Active ABN and valid driver’s licence
Good credit history

6 months minimum trading history applies
Over $6K monthly turnover
Active ABN and valid driver’s licence
Good credit history

6 months minimum trading history applies
Over $6K monthly turnover
Active ABN and valid driver’s licence
Good credit history

Asset security

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

No upfront property security for up to $150K in Prospa funding

Loan size

From $150K to $500K

From $5K to $150K

From $2K to $500K

From $150K to $500K

From $5K to $150K

From $2K to $500K

Loan term

Both products are Up to 5 years

Both products are Up to 3 years

2 years, with option to renew

Both products are Up to 5 years

Both products are Up to 3 years

2 years, with option to renew

Interest

Fixed interest rate

Both products do not require Asset security Fixed interest rate

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 Fixed interest rate

Both products do not require Asset security Interest calculated on the funds you use, not on the limit.

Payments structure

Both products can be repaid in a Receive your Receive your full loan amount as a lump sum

Both products can be repaid in a Receive your Receive your full amount as a lump sum

Use and reuse as often as you like during the 24 month renewable term

Both products can be repaid in a Receive your Receive your full loan amount as a lump sum

Both products can be repaid in a Receive your Receive your full amount as a lump sum

Use and reuse as often as you like during the 24 month renewable term

Repayment frequency

Both products can be repaid Weekly

Both products are repaid weekly Only pay interest on what you use + weekly service fee 0.046%

Both products can be repaid Weekly

Both products are repaid weekly Only pay interest on what you use + weekly service fee 0.046%

Online access

Both products can be accessed through the 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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Categories

Content types

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Prospa solutions

Partner blog

Inside Prospa

Budget

“I wish someone had told me that”: Steve Timmis, Fossey’s Gin

What is working capital?

New year, new you: Set your business up for financial success in 2021

Know your limits: Understanding your level of financial commitment

On the front foot: 3 cash flow resolutions to make this year

9 cash flow mistakes to avoid as an owner

Prospa Small Business Loan

Prospa Business Loan Plus

Prospa Line of Credit

Prospa
Small Business Loan

Prospa
Business Loan Plus

Prospa
Line of Credit