Prospa

Prospa is an Australian fintech company that provides small business loans, lines of credit, and business accounts. Their platform offers flexible funding solutions ranging from $5,000 to $1,000,000, integrated payment services, and accounting integrations such as Xero. Prospa aims to help SMEs grow by simplifying access to capital and financial management tools through a digital experience.

Prospa is listed with 1 API on the APIs.io network. Tagged areas include Company, Fintech, Small Business, Loans, and Australia.

Prospa’s developer surface includes engineering blog, documentation, support, and 17 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

11.4/100 emerging ▬ flat Agent 11/100 agent aware Heartbeat 100/100 alive Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

1 API

Company Fintech Small Business Loans Australia

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 11.4/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 2.2 / 17

Access Clarity 1.1 / 17

Operational Transparency 1.2 / 11

Contract Governance 0.0 / 10

Discoverability 4.9 / 9

Regulatory Posture 2.6 / 15

Agent readiness — 11/100 · agent aware

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 6 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Horizontal (data, software, accessibility, platform) regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document
MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0

11 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 0.0 — up to +25.0 composite points
Access Clarity scores 6.6 — up to +18.7 composite points
Developer Ergonomics scores 13.1 — up to +17.4 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/prospa/apis.yml: open an issue on github.com/api-evangelist/prospa to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 1

Individual APIs this provider publishes, each with its own machine-readable definition.

Prospa API

Prospa provides a developer API documented at https://developer.prospa.com/apis

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Prospa Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Prospa Vulnerability Disclosure

security.txt · contact published

SECURITY

Resources

Get Started 2

Portal, sign-up, and the first successful call

Login

DeveloperPortal

DeveloperPortal

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

WellKnown

WellKnown

Access & Security 11

Authentication, authorization, and security posture

Security

SecurityTxt

SecurityTxt

SecurityTxt

SecurityTxt

SecurityTxt

SecurityTxt

SecurityTxt

SecurityTxt

VulnerabilityDisclosure

VulnerabilityDisclosure

DomainSecurity

DomainSecurity

Scroll for all 11

Operate 1

Status, limits, changes, and where to get help

Support

Support

Company 2

The organization behind the API

Website

Website

Blog

Blog

Other 2

Properties that don't map to a standard resource type

Hosts

Hosts

Vendors

Vendors

Source (apis.yml)

aid: prospa
name: Prospa
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  probe_state: unreadable
  source:
  - security
  generated: '2026-11-06'
  method: derived
image: https://www.prospa.com/wp-content/uploads/2023/02/og_logo.png
description: Prospa is an Australian fintech company that provides small business loans, lines of credit, and business accounts.
  Their platform offers flexible funding solutions ranging from $5,000 to $1,000,000, integrated payment services, and accounting
  integrations such as Xero. Prospa aims to help SMEs grow by simplifying access to capital and financial management tools
  through a digital experience.
url: https://raw.githubusercontent.com/api-evangelist/prospa/refs/heads/main/apis.yml
x-type: company
x-source: harvest:tag-qc
x-tier: profiled
x-tier-reason: enrichment pass 2026-10-13 (modular-v1; was harvest)
specificationVersion: '0.20'
created: '2026-10-13'
modified: '2026-10-13'
tags:
- Company
- Fintech
- Small Business
- Loans
- Australia
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Security
  url: security/prospa-vulnerability-disclosure.yml
- type: SecurityTxt
  url: well-known/prospa-security.txt
- type: SecurityTxt
  url: well-known/prospa-register-security.txt
- type: SecurityTxt
  url: well-known/prospa-partners-security.txt
- type: SecurityTxt
  url: well-known/prospa-online-security.txt
- type: SecurityTxt
  url: well-known/prospa-join-security.txt
- type: SecurityTxt
  url: well-known/prospa-identity-security.txt
- type: SecurityTxt
  url: well-known/prospa-developer-security.txt
- type: SecurityTxt
  url: well-known/prospa-application-security.txt
- type: WellKnown
  url: well-known/prospa-well-known.yml
- type: Hosts
  url: hosts/prospa-hosts.yml
- type: Vendors
  url: vendors/prospa-vendors.yml
- type: Login
  url: https://identity.prospa.com/Account/Login
- type: DeveloperPortal
  url: https://developer.prospa.com/
- type: VulnerabilityDisclosure
  url: security/prospa-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/prospa-domain-security.yml
- type: Website
  url: https://www.prospa.com
- type: Blog
  url: https://www.prospa.com/blog
- type: Documentation
  url: https://www.prospa.com/about-us
- type: Support
  url: https://www.prospa.com/contact-us
apis:
- name: Prospa API
  description: Prospa provides a developer API documented at https://developer.prospa.com/apis
  humanURL: https://developer.prospa.com/apis
  baseURL: null
  aid: prospa:prospa-api
x-coverage:
  state: unreadable
  reason: js-rendered-docs
  detail: Developer portal pages render via JavaScript, preventing machine‑readable spec discovery.
  evidence:
  - url: https://developer.prospa.com/apis
    status: 200
  checked: '2026-10-13'
x-enrichment:
  date: '2026-10-13'
  status: enriched
  artifacts_added: 15
  pass: modular-v1
  engine: identity=local,contract=local,surfaces=local,docs=local,regulatory=local

Prospa API — frequently asked questions

Does Prospa have an API?

Yes. APIs.io lists 1 API from Prospa, including Prospa API.

Is the Prospa API ready for AI agents?

Prospa has a Kin Score of 11.4 out of 100 (emerging) and an Agent Readiness score of 10.8 (agent-aware), scored by API Evangelist on 2026-11-06.

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get_provider_operationsEvery operation across all of their OpenAPIs — one call instead of parsing every spec.
get_provider_toolsEvery MCP tool they ship, with the operation each wraps.
get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
get_provider_ratingPRO — composite, band, trend and facet scores.
apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
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find_cohortsEvery scored population of providers in the catalog.

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