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About ScotPac

Trusted Funding Partner for SMEs:

Australia’s Largest Non-Bank Business Lender

Helping businesses for over 35 years

When it comes to supporting businesses in achieving their full potential, SMEs and their advisers trust ScotPac, Australia’s largest non-bank business lender. With over 35 years of experience, we have established ourselves as a reliable provider of flexible funding solutions for companies of all sizes, from start-ups to large enterprises.

We understand the unique challenges faced by business owners, particularly in managing cash flow. That’s why we offer a comprehensive range of financing options, including invoice finance, trade finance, asset finance, and business loans. These options empower businesses to access the necessary capital they need to thrive and succeed.



A trusted partner with a wealth of experience

What sets us apart is our dedicated team of lending specialists and relationship managers. With their wealth of experience, they are committed to delivering exceptional service to business owners and their advisers. We take the time to truly understand the individual needs of each business, tailoring our financing solutions accordingly. Whether you require assistance in bridging a cash flow gap, funding expansion plans, or acquiring new equipment, we have the expertise to support you.

At ScotPac, we take great pride in our reputation for transparency, integrity, and innovation. We believe in cultivating long-term relationships with our clients and partners, providing unwavering support throughout their entire business journey.

If you’re seeking a funding partner that will help your business or clients unlock their full potential, look no further than ScotPac. Contact us today to get started on your path to success.

Our Executive Team


Partnering with Confidence

ScotPac Business Finance - Australia's largest non-bank business lender, a trusted partner delivering on promises.

Tailored Funding Solutions

ScotPac empowers businesses with flexibility and customised funding options.

Rapid and Seamless Funding

Experience the speed and simplicity of ScotPac's 24-hour approval and funding process.

Unmatched Expertise

Over 35 years of specialized funding solutions from ScotPac, your award-winning industry leader.

Tailored finance to fit all your business needs

We provide award winning finance solutions and a range of business lending and cash flow options to help your business succeed. Explore how we can help below.

  • 8000 + Businesses supported currently

  • $27.3B Invoices funded annually

  • Over 35 years of experience

The ScotPac Promise

What are our customers saying about us?

I found my experience with Business Fuel was helpful, business like yet friendly and fast. I would be happy to use again and I’ll recommend Business Fuel to others.

Les Paul

For us, the real advantage of invoice finance is that we can offer longer payment terms to customers thanks to ScotPac.

Philip Ridyard


ScotPac make the effort to understand us and really partner with us. Its a lot more flexible than dealing with banks.

Debra Carthew

Commercial Maintenance

ScotPac have assisted a number of our clients in time critical situations and are highly experienced cash flow lenders.

Sebastian Hyde


We think of ScotPac more than just a Financial Services provider, they care enough to know our business and as such we are more like partners

Cheryl Armour


It’s growth funding that gets us the best from our working capital, which covers materials, wages and other costs while we wait to be paid for our goods.

Miles Jackson