Haulage Businesses: Big Backing, Fast Invoice Finance Solutions

A&R Earthmoving, a transport haulage business operating for just two years, faced a roadblock when their bank declined funding due to limited trading history.

With imminent growth on the horizon, they needed working capital to pay subcontractors and support expansion.

Their broker recommended ScotPac, recognising our ability to provide a $1 million facility tailored for businesses at any stage—delivering the flexibility and speed traditional banks couldn’t offer. 

 

ScotPac provided a $1 million Invoice Finance facility, offering immediate access to working capital to support subcontractor payments. Unlike traditional banks, which required more trading history and imposed rigid criteria, ScotPac delivered a flexible, timely solution tailored to the client’s stage of growth.

The facility acts as a financial safety net, ensuring funds are available as needed, without the delays or limitations often experienced with major banks. 

With ScotPac’s support, A&R Earthmoving gained the confidence and flexibility to manage their cash flow and pay subcontractors on time, no matter when client payments arrive.

This access to timely funding means they can seize new growth opportunities and operate with certainty, knowing they have a reliable financial backstop to support their ambitions. 

 

A&R Earthmoving chose ScotPac after being turned away by their bank due to limited trading history. Their broker recommended ScotPac, recognising our ability to support businesses at any stage of growth. 

ScotPac’s flexible approach meant we could provide a $1 million facility quickly, ensuring the client could pay subcontractors on time. Our strong broker relationships and tailored solutions made all the difference. 

ScotPac helped me get my business off the ground when no one else would. Even though my business was performing well, none of the big banks were willing to help — not even with an overdraft. A former ScotPac employee recommended I reach out, and I’m so glad I did. Without ScotPac, I wouldn’t have been able to keep my business running. When the banks turned me away, ScotPac came through and gave me the support I needed to pay my bills and move forward. 

In my industry, we often need to pay subcontractors and staff long before our clients pay us. Having access to a line of credit through ScotPac made all the difference — without it, I simply couldn’t operate. 

What I appreciate most is the personal service. I always deal with the same people — Michael and Brandon — who know me and my business. It makes everything easy and straightforward. 

I’d absolutely recommend ScotPac to others. They’re flexible, supportive, and genuinely help people when they need it most. 

– Reece Linden, Director