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New zealand naturals
Prospa solutions
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Which product are you interested in?
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
- Minimum 2 years trading history
- 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
- Minimum 2 years trading history
- 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
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
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
full loan amount as a lump sum
Both products can be repaid in a
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
full loan amount as a lump sum
Both products can be repaid in a
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 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 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
Both products can be accessed through the
Prospa App and Prospa Online
Both products can be accessed through the
Prospa App and Prospa Online
Both products can be accessed through the
Prospa App and Prospa Online
Both products can be accessed through the
Prospa App and Prospa Online
Both products can be accessed through the
Prospa App and Prospa Online
Dedicated lending specialist
Visa debit card not available
Yes
Visa debit card not available
Yes
Yes
Visa debit card not available
Yes
Visa debit card not available
Yes
Yes
Visa debit card
No
Dedicated lending specialist not available
No
No
No
Dedicated lending specialist not available
No
No