Our vision is to change the way small business owners experience finance

Prospa is Australia’s #1 online lender to small businesses. Unlike traditional lenders, Prospa understands small business owners need faster finance solutions – so you can make decisions quickly and seize opportunities with total confidence.

We’re on your side

Prospa offers business loans of between $5,000 and $250,000 with no security required to access up to $100,000. Application takes just 10 minutes, you can get same day approval, and funding is possible in 24 hours. Using a smart proprietary technology platform, we focus on the health of a business to determine creditworthiness.

We have funded over:


Customer satisfaction:


We’re leading the way

In February 2017 Prospa was awarded the Lending Innovator of the Year Award in the inaugural FinTech Business Awards. Prospa is also the #1 Smart Company in Australia (2016) and was the fastest growing technology company in Australia for 2015, and 6th fastest in 2016. In 2015 Prospa was the third fastest growing company in Asia. We are a 2016 and 2015 Telstra Business Award finalist and ranked 31st in the world as an innovator in the finance sector – and first in Australia – by KPMG’s FinTech100.

See full list of awards we have won.

Prospa has a variety of industry leading strategic partners who share our vision of providing easy access to capital for small businesses wanting to grow – including Reckon, Xero and Mortgage Choice.

Small business is at the heart of everything we do. 97% of businesses in Australia are classified as small, and together these small businesses account for about half the value of the economy and 70% of the workforce. Since 2011, Prospa has helped thousands of them to grow and take advantage of opportunities.

We take the work out of getting a business loan

Simple process

With Prospa, submit your application online in under ten minutes. Simple!

Faster decisions

Same-day approval, funding possible in 24 hours.

We’re available

Our team of lending experts is available to answer enquiries.

Australian owned

We’re Australian owned and operated, with an Australian Credit Licence.

1300 990 166