Terms & Conditions

Small Business Loan Terms and Conditions
*Lowest rate is 9.9% p.a. simple interest rate. UCapital uses a risk-based pricing model to determine
applicable rates using factors such as industry, years in business, cash flow and creditworthiness.
Rates for small business loans range from 9.9% to 26.5% p.a. simple interest rate. The lowest rate
is only available to applicants with the strongest cash flows, business experience and credit
ratings. A $10,000 12-month loan with a simple interest rate of 9.9% p.a. would have a total
repayment amount of $10,990 and an Annual Percentage Rate of 17.5%. Approval is subject to
credit assessment. Fees, terms and conditions apply. These rates apply to UCapital’s small business
loan product only. See ucapital.com.au for more details.

Line of Credit Terms and Conditions
*$0 line activation fee offer applies to new Line of Credit customers
only. Line of credit must be approved and an initial drawdown (min. drawdown of $250)
made between 8 April and 2 May 2019 (inclusive). Usual line activation fee is $195.
Monthly Subscription Fee of $25 applies. Offer only available to customers with connected
electronic bank statements. Offer available on Prospa Line of Credit product only. Not valid
in conjunction with any other offer; offer may be withdrawn without notice; standard
approval criteria and terms and conditions apply.
*Lowest rate is 14.95% Annual Percentage Rate (APR). Prospa uses a risk-based pricing model to
determine applicable rates using factors such as industry, years in business, cash flow and
creditworthiness. Rates for Line of Credit range from 14.95% to 29.95% APR. The lowest rate is
only available to applicants with the strongest cash flows, business experience and credit ratings.
Approval is subject to credit assessment. Fees, terms and conditions apply. These rates apply to
Prospa’s Line of Credit product only. See prospa.com for more details.