Commercial Loan
Discover Prospa's range of commercial lending solutions and get quick access to capital for all your business needs. You've got a plan, let's make it happen.
- Commercial funding options up to $500,000
- Fast decision and funding possible in 24 hours
- No asset security required upfront to access
Prospa funding up to $150,000 - Apply online in just 10 minutes
Grow your business with a commercial loan
Prospa is more than just your average lender. Our commercial loans have already helped tens of thousands of local Australian businesses to maintain their cash flow and concentrate on building their opportunities for growth and long-term stability.
Commercial finance options for:
- Managing staff during peak periods
- Expansion or renovations
- Capital purchases
- Payroll support
- Marketing campaign or rebrand
We will help you assess your business potential
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
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Apply online in under 10 minutes
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Get a same-day decision
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Access your funds
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Apply online in under 10 minutes
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Get a same-day decision
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Access your funds
Why Prospa? It’s today’s way to borrow.
We’re Australia’s #1 online lender to small business.
Choice
Borrow up to $500K with 10 minute application, fast decision and funding possible in 24 hours.
Support
Talk to real people. Business Lending Specialists who are focused on getting you what you need, sooner.
Confidence
Thousands of small businesses have borrowed from Prospa so far.
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
Read Customer Stories
FAQs
Frequently asked questions
Using a commercial loan calculator, you can get an at-a-glance idea of how a lump sum cash injection or access to a Business Line of Credit could help your business to prosper and thrive. Small Business Loans with Prospa help to provide you with peace of mind, covering short-term cash flow set backs, assisting with updating equipment or your premises, purchasing urgent stock replenishments, covering costs for your suppliers.
We’re investing in your business so we want you to grow and succeed. We’re not like all the other commercial lenders. Prospa is about helping your business to really succeed. We have already lent over $1.65 billion to local business throughout the country and provided ongoing specialist support to our clients to keep their momentum going.
Business loans with options such as access to an overdraft facility could help you to manage fluctuations throughout seasonal changes, or boost your staff numbers in a hurry to cover peak periods or fast business growth. Whatever your business needs to grow, Prospa’s business finance options can help.
With cash flow friendly repayment options, we’ll work with you to arrange the best terms for your small business finance.
We offer business loans of up to $150,000. No asset security required upfront to access Prospa funding up to $150,000. Decision is quick and simple, and once approved funding is possible in 24 hours or one business day.
Our team of commercial finance brokers are interested in supporting your business and helping it to grow. Our commercial loan products are designed to support your business growth so your dedicated loan specialist will discuss with you the best terms and repayment options for you. Terms from between 3 – 24 month. No asset security required upfront to access Prospa funding up to $150,000.
Apply online today or speak with someone from our team of friendly finance brokers about how Prospa could help your business thrive.
