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Business Loan Specialists NZ - Loans Up To $500k | Prospa NZFunding that takes your business further. As lending specialists in New Zealand, Prospa NZ provide a range of solutions to match your exact business needs.Business Loan Specialists NZ - Loans Up To $500k | Prospa NZ Main Navigation Products Compare Business Loans Small Business LoanQuick access to $5K – $150K Business Loan PlusLarger loans of $150K – $500K Line of CreditOngoing access to funds up to $500K Bill PayEasily manage and pay bills Sync to XeroConnect transactions from a Prospa Business Line of Credit Prospa AppManage your cash flow wherever your business takes you Partners Partners Meet the Team Partner Registration Partner Portal Login Blog About AboutAt Prospa, we’re pioneers of simple, stress free and seamless financial management. 0800 005 797 Contact us About News Careers Investors Log in Log inAre you a Prospa customer or a partner? Customer Partner Get started Let’s make business happen   Unleash your business potential with fast funding solutions designed to simplify your business cash flow. Get started Talk to a specialist Trustpilot Trustpilot Trustpilot Trustpilot Apply in 10 minutes with funding possible in hours   Choose a Business Loan or Line of Credit – up to $500K Manage funds anytime
in the Prospa App One platform. A range of funding solutions. Compare products Small Business Loan Same day access to funds to keep business moving.From $5K to $150K. Explore Small Business Loan Same day access to funds to keep business moving.From $5K to $150K. Explore Business Loan Plus A larger lump sum to invest in longer term plans.From $150K to $500K. Explore Business Loan Plus A larger lump sum to invest in longer term plans.From $150K to $500K. Explore Line of Credit Ongoing access to funds to simplify cash flow.From $2K to $500K. Explore Line of Credit Ongoing access to funds to simplify cash flow.From $2K to $500K. Explore Already know what you’re after? Apply now. Need help? Talk to a specialist Greater flexibility and control To keep business moving Interest savings Make unlimited extra repayments on your business loan or only pay interest on what you use with our Line of Credit. Easy cash flow management  Manage your cash flow and bills anytime in the Prospa App. Plus utilise smart features like integration to Xero and Bill Pay. The Prospa App has launched The Prospa App has launched If you're already a Prospa customer, download our new app. If you're already a Prospa customer, download our new app. Why Prospa About us #1 online lender in New Zealand 12+ over 12 years of experience $4B Small business loans 50K over 50K businesses funded Customers making it happen with a Prospa loan Read customer stories Roneel and Karishma Kumar Cognitiv "Prospa’s funding rescued us when we had delayed client payments" Bonita Labuschagne Ecosource “Prospa didn’t just provide funds; they became partners in our green journey.” Richard Ross Euro Garage Automotive “I couldn’t believe how quick and easy it was,” he says. “The funds were in my account within a day.” Jason Goodson Backyard Roadies "There was a point where I probably would have lost the business but the loan saved me.” John Lennox Sofa Doctor “We needed quick access to finance, and with Prospa everything was completed in 48 hours, which made it very easy for us to make that move.” Recent articles Stories to inspire you, tips to save you time 5 Simple Cybersecurity Tips That Could Save Your Business Big Read more A simple guide to calculating tax deductions for home office expenses Read more The ultimate guide to claiming work-related vehicle expenses Read more FAQs Common questions answered Do I qualify for funds with Prospa? You can apply for a business loan with Prospa if you; are a New Zealand Citizen (or Permanent Resident) are over 18 years, own a New Zealand business (with a valid NZBN/IRD) minimum trading history applies How do I apply The application process is quick and easy. Simply complete the online form in 10 minutes and a dedicated business lending specialist will be in touch to guide you. How fast will I get a decision? For the Prospa Small Business Loan ($5K to $150K) we can often provide a response in one hour – as long as you apply during standard business hours and allow us to use the advanced bank verification system link to instantly verify your bank information online. If you choose to upload copies of your bank statements we can provide a decision in as little as one business day. For the Prospa Plus Business Loan ($150K to $500K) we may be able to provide you with conditional pre-approval in around 6 hours. Once you have signed the pre-approval, turnaround times are around 2-3 days for final approval, however this may be quicker depending on the circumstances of each application. Some deals have been approved in 24 hours. The fastest way is to make sure you apply during standard business hours and allow us to use the advanced bank verification system link to instantly verify your bank information online. If you choose to upload copies of your bank statements it will take a little longer. How fast will I get the money? Once your application is approved and we release the funds, it is possible to have money in your account the next business day. How much can I borrow? We provide loan amounts between $5K and $500K. When you make an application for a specific amount we consider a variety of factors to determine the health of your business and the level of repayments your business can support. The total amount of your loan will depend on the specific circumstances of your business. When you make an application for a specific amount we consider a variety of factors to determine the health of your business and the level of repayments your business can support. The total amount of your loan will depend on the specific circumstances of your business. Will my information be protected with Prospa? Protecting your information, and being clear about how we collect, use, exchange and protect your information, is of huge importance and a vital part of our relationship with you. View our Privacy Policy. Is it safe to link my bank account to the Prospa platform? Yes. We use industry recognised encryption standards to protect your personal, sensitive and financial data and we’re ISO 27001 certified for our commitment to customer security and privacy. We use an advanced bank verification system link to instantly verify your bank account information online so we can provide a fast response. Talk to a specialist We will be in touch shortly to discuss how we can help you make business happen. First name Last name Phone number Email address Company name Industry - Select industry of business -Building and TradeFinancial Services and InsuranceHair and BeautyHealthHospitalityManufacturingOtherPrimary IndustryProfessional ServicesRetailTransportWholesaling How can we help? By clicking submit I agree with Prospa's consent information and privacy policy. Submit Thanks for contacting us! We will get in touch with you shortly. Eligibility and approval is subject to standard credit assessment and not all amounts, term lengths or rates will be available to all applicants. Fees, terms and conditions apply. 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 Line of Credit Small Business Loans Business Loan Plus Select Product #2 Line of Credit Small Business Loans Business Loan Plus Line of Credit Small Business Loans Business Loan Plus Line of Credit Small Business Loans Business Loan Plus Best for when you need To build cash flow confidence Fast access to funds Funds for bigger plans To build cash flow confidence Fast access to funds Funds for bigger plans Eligibility Minimum trading history applies Over $6K monthly turnover Active NZBN and valid driver’s licence Good credit history Minimum trading history applies Over $6K monthly turnover Active NZBN and valid driver’s licence Good credit history Minimum trading history applies Over $6K monthly turnover Active NZBN and valid driver’s licence Good credit history Minimum trading history applies Over $6K monthly turnover Active NZBN and valid driver’s licence Good credit history Minimum trading history applies Over $6K monthly turnover Active NZBN and valid driver’s licence Good credit history Minimum trading history applies Over $6K monthly turnover Active NZBN and valid driver’s licence Good credit history Asset security 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 Security may be required when accessing over $150K in Prospa funding Loan size From $2K to $500K From $5K to $150K From $150K to $500K From $2K to $500K From $5K to $150K From $150K to $500K Loan term 2 years, with option to renew Up to 3 years Up to 5 years 2 years, with option to renew Up to 3 years Up to 5 years Interest Both products do not require Asset security Interest calculated on the funds you use, not on the limit. Fixed interest rate Fixed interest rate Both products do not require Asset security Interest calculated on the funds you use, not on the limit. Fixed interest rate Fixed interest rate Payments structure Use and reuse as often as you like during 24 month renewable term Receive your full loan amount as a lump sum Receive your full loan amount as a lump sum Use and reuse as often as you like during 24 month renewable term Receive your full loan amount as a lump sum Receive your full loan amount as a lump sum Repayment frequency Both products are repaid weekly Only pay interest on what you use + weekly service fee 0.0046% Weekly Weekly Both products are repaid weekly Only pay interest on what you use + weekly service fee 0.0046% Weekly Weekly Online access Both products can be accessed through the Prospa App and Prospa Online Prospa App and Prospa Online Prospa App and Prospa Online Both products can be accessed through the Prospa App and Prospa Online Prospa App and Prospa Online Prospa App and Prospa Online Dedicated lending specialist Visa debit card not available Yes Yes Yes Visa debit card not available Yes Yes Yes Visa debit card Dedicated lending specialist not available No No No Dedicated lending specialist not available No No No Apply now Read more Apply now Read more Apply now Read more Apply nowRead more Apply nowRead more Apply nowRead more Home Small Business Loan Business Loan Plus Business Line of Credit Business Loans New Zealand Business Loan Calculator About News Careers Blog Contact us Privacy Policy Consent Information Prospa Reviews Community Guidelines Sitemap Eligibility and approval is subject to standard credit assessment and not all amounts, term lengths or rates will be available to all applicants. Fees, terms and conditions apply. FSP663891 | NZBN 9429046731678 © 2024 Prospa NZ Limited Privacy Policy | Consent Information Download the Prospa Appennzen-NZ1734285421https://prospa.co.nz

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