Small business ombudsman Kate Carnell says including non-bank lenders such as Prospa in the government’s SME loan guarantee scheme should help stricken businesses get working capital loans even faster than through the big four lenders.

"The thing that's good about these guys is they are used to lending unsecured and they are used to lending quickly," Ms Carnell said after Prospa, Liberty Financial and Moula were named as the latest participants in the scheme.