Commercial Loan Calculator

Commercial Loan

If you are looking for a short term business loan for up to $150K with fast and friendly service then Prospa is here to help. Use our commercial loan calculator to discover what your business can comfortably afford to borrow and start growing your prospects within the hour.

We have helped thousands of local businesses just like you to fund their company growth with a range of business loans starting at just $5K. Our commercial loan calculator can help you determine what sort of sum you would like to borrow and give you an idea of your easy and cash flow friendly repayments.

There is no paperwork and your application is placed and processed online over our secured process taking just a few minutes which saves you time and unnecessary hassle. When you apply you could have an answer in just a few hours, getting the ball rolling earlier on your loan process so you can start reaping the rewards faster.

Prospa’s 4.8/5 TrustScore is achieved through providing high level service and flexible loan rates for our clients. You won’t be penalised on early payouts on your business loans and we ensure cash flow friendly repayment options so you can concentrate on sustainable business growth and using your business loan effectively.

Our small business loans can be used for business renovations, marketing campaigns, stock and inventory purchasing, new equipment and infrastructure, general working capital and more. For whatever your business needs to succeed, think Prospa.

Contact one of our friendly staff today or start your application immediately. You could have the funds you need cleared in just a couple of business days.

Calculate your repayments

Use Prospa’s business loan calculator to quickly calculate your loan repayments

Widget icon
No credit check to see if you are eligible

Please select a product

How much would you like to borrow?

The minimum amount you can borrow is $5,000. Maximum amount is $500,000.
Unfortunately, we only currently offer loan terms longer than 3 years for amounts greater than $150,000. Maximum amount is $500,000.
A valid loan amount ($150,000 - $500,000) is required

Weekly repayments

$0

*Security may be required

*No upfront security required

See repayment breakdown

Your repayment breakdown

Weekly repayment $0
Payback amount $0
Loan Term $0
Number of repayments $0
Ready for the next step? See if you qualify
Ready for the next step? See if you qualify

Estimated repayments schedule (first 10 weeks)

Year 1 Year 2 Year 3 Year 4 Year 5
Ready for the next step? See if you qualify
Ready for the next step? See if you qualify

Calculations are based on information you provide and may assist you in making your own projections; however, they are not forecasts and do not represent all Prospa products. The information in this calculator is for illustrative purposes only and is not a prediction or financial advice. The calculator does not constitute an offer to lend or imply that any particular Prospa product is suitable for you. This calculator uses a fixed annual percentage rate (APR) of 31% as the interest rate and an origination fee of 3.5% to calculate repayments, which include principal, interest, and fees for the loan amount and loan term you input. For the Line of Credit calculator, a weekly service fee of 0.046% of the facility limit is included in the repayment calculation. Subject to law, Prospa will not be liable for any loss or damage caused by your use of the calculator. Terms and conditions and standard credit criteria apply to Prospa products.

Customers making it happen with a Prospa loan

Read customer stories
Angelli Morilla
Tita’s Cakes
“I feel safe knowing that Prospa is there to support us,”
Scott Chappell
Black Market Bagels
“Without Prospa, I wouldn’t have been able to scale as quickly or as smoothly.”
Donna Sklavos
Donna's Beauty Cottage
“It’s like having a safety net and it helps me manage my cashflow,”
Sacha Alagich
Escape to paradise
“Prospa reduces my stress around finances and lets me focus on my business and customers.”
Lily Kahramanian
Workdog Creative
“The Line of Credit was like a security blanket while we trialed and tested our new business model,”

Awards, thanks to you

It’s nice to know we’re doing something right

Year Award Category
2024 The Adviser Magazine's Product of Choice: Non-Banks Survey Winner, Best short-term loan
2024 FINNIES Fintech Australia Awards Finalist, Excellence in Business Lending
2024 The Adviser Magazine's Product of Choice: Non-Banks Survey Winner, Best SME loans less than $250K
2024 Great Place to Work Recognised as one of the Top 10 Best Workplaces in Technology
2024 Work180 Recognised by WORK180 as one of Australia’s top 101 workplaces for women

See more awards