Automate and accelerate your business

Take your business to the next level with Prospa’s tailored funding solutions.

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Flexible business funding for your ‘next level’

Tired of balancing the competing demands of your business? Invest in your tech capabilities and shave hours off admin, boost productivity and focus on the things that really matter to you.

Prospa’s flexible range of funding solutions could be just the ticket! It takes just 10 minutes to apply online for funds up to $500K, and approved funding is possible in just 24 hours. What are you waiting for?

Compare products

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 6 months trading to apply
Learn more about Small Business Loan
Apply now

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
Learn more about Business Loan Plus
Apply now

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 6 months trading to apply
Learn more about Business Line of Credit
Apply now

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

Get in touch

Cashflow or Growth. We help with both!

As a professional services provider, you know that cash flow plays a vital role in your business’s day-to-day. Plus, there are times when you might need funds to invest in your business to take it to the next level.

Whether you’re a lawyer, an accountant, in advertising or IT, or offer some other professional service to your clients, talk to Prospa about our flexible funding solutions. We can help you find an option to suit your business’s needs – whatever they may be.

Cover unpaid invoices

When billing and payments don’t quite line up, confidently maintain momentum.

Pay wages and suppliers

Pay suppliers on time, cover staff wages, hire casuals during busy periods, pay for training.

Outsourcing

Paying contractors to lighten the load and build efficiencies, hire an accountant or business adviser.

Improvements

Purchase software for efficiency and scalability, update your office furniture, give your premises a spruce up.

Marketing

Create awareness and acquire more customers through advertising, launching a loyalty program or investing in social media.

And more

Having hassle-free access to funding can help give retailers the freedom to move quickly.

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Stories to inspire you, tips to save you time

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What is a business Line of credit and how does it work?
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Why Prospa? Because we believe in small business.

No more compromising or missed opportunities with Prospa by your side. With hassle-free application, this time tomorrow you could have access to funds for growth and cash flow support. It’s just what we do.
We’re Australia’s #1 online lender to small business.

How our customers have put their funds to work

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 your support

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