Breaking down barriers to help SMEs decarbonise – Have your say here
Ever wondered how Invoice Finance works? Watch our video here!
Read our latest SME Growth Index Report in full here.


Tailored corporate finance solutions

It doesn’t matter how large or complex the deal, our Corporate Lending Specialists are here to help

Join our other clients growing on average at 3 x GDP!

Access on-the-ground specialists across all 5 states.

Benefit from over 35 years of lending experience.

Asset-based lending solutions to ensure your company grows

ScotPac provides a number of corporate finance solutions that are tailored to suit the needs and goals of your particular organisation. We can help with mergers and acquisitions, management buy-outs, and shareholder pay-outs. 

We aim to be a growth enabler by ensuring you can access cash locked up in normal trading cycles and effectively raise capitals with fewer restrictions. Whether or not your business is profitable, our team can unlock lending and corporate finance solutions.  It’s all about finding more business opportunities through fast and flexible funding.

Our asset-based lending solutions help you leverage the assets of your business, including supplier invoices, receivables and equipment. Over the past 35 years, we’ve assisted corporate businesses and SMEs access almost $2 billion, with facilities in excess of $100 million.

But we don’t believe in a one-size-fits-all approach. That’s why our accessible lending specialists worth with you to find a solution that works best for your goals.

Our Solutions

Why ScotPac?

Flexible Finance Instead of opting for a less nimble and less inventive bank, choose the specialist with facilities that grow with your business.
Experts in SME Focused on performance, ScotPac have helped businesses access hundreds of millions of dollars in approved loans.
Real Relationships We believe in developing relationships with our customers, rather than focusing on transactions, offering tailored solutions that fits your business requirements and your timeline.

We help a range of different industries reach their full potential

Frequently Asked Questions


Access to finance is vital at every stage of the business journey. Both start ups and established enterprises can benefit from business finance. Whether you need a cash injection to smooth over cash flow gaps or access to funding to fuel expansion plans, a business finance facility is integral to sustainable business growth.


Business finance solutions typically fall into two categories; equity finance and debt finance. In simple terms, debt finance involves funding that the business repays plus interest at a later date. Equity finance is the exchange of shares or part-ownership of the company in exchange to raise capital.

Debt finance

Debt financing is a broad category that covers a wide range of business finance solutions, including:

This category of business finance does not require the transfer of ownership or shares in exchange for finance. Funding is provided to the business and is later repaid plus interest.

Equity finance

This type of finance can be more challenging to access, and typically involves giving up equity in the business in exchange for funding.

  • Self-funding/personal savings
  • Venture capital
  • Angel investors
  • Family and friends

Equity finance can be more complicated than debtor finance, impacting operational decision making and the overall control of your business.


Yes. Many small business owners are unaware of how straightforward the application process for business finance can be. While a business loan from a traditional lender can take months to arrange, a business finance solution from ScotPac can be approved and you can have funding in place in as little as 24 hours.


A low credit score may impact your ability to secure funding from a traditional lender or bank. Due to strict lending criteria, you may be denied financing as the bank views your business as too much of a risk. Traditional lenders usually also require that use your personal property as collateral for funding.

Here at ScotPac, we believe that every business deserves the opportunity to grow. We’re focused on the future growth of your business rather than your personal credit history. If you’ve been rejected for a traditional business loan, speak to one of our friendly advisors about your business finance options.