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Customer story

All ⁴⁷
Small business inspiration ³⁴
Manage your finances ⁶
Growing your business ⁶
Operating your business ¹

06 Dec 2023

Small business inspiration
Business planning
Customer story

Meet the solopreneur running a successful beauty therapy business from her home

06 Dec 2023

29 Aug 2023

Small business inspiration
Customer story

How this entrepreneur turned a side hustle into a full-time specialist food business

29 Aug 2023

11 Aug 2023

Small business inspiration
Customer story

How this entrepreneur turned her childhood dreams into a successful homewares brand

11 Aug 2023

28 Jul 2023

Small business inspiration
Customer story
Customer success story
Small business growth
Small business loan
Video

Meet the entrepreneur striding forward in sustainable, comfortable footwear

28 Jul 2023

28 Feb 2023

Small business inspiration
Customer story
Customer success story
Line of credit
Small business growth
Video

Meet the entrepreneur bringing branding to small businesses

28 Feb 2023

10 Nov 2022

Small business inspiration
Customer story
Customer success story
Line of credit
Small business growth
Video

Meet the entrepreneur providing space for creatives to flourish

10 Nov 2022

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

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

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

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

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

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

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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Inside Prospa

Customer story

Meet the solopreneur running a successful beauty therapy business from her home

How this entrepreneur turned a side hustle into a full-time specialist food business

How this entrepreneur turned her childhood dreams into a successful homewares brand

Meet the entrepreneur striding forward in sustainable, comfortable footwear

Meet the entrepreneur bringing branding to small businesses

Meet the entrepreneur providing space for creatives 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