Google Rating
4.7
Based on 177 reviews
ScotPac Business Finance
4.7
Matt Mckillop
1729571574
I cannot speak highly enough of my experience with Scottish Pacific. Their team (particularly Crystal, Kathleen and Felicia) has consistently provided exceptional service, combining financial expertise with a genuine commitment to understanding our business needs. Thanks to their tailored solutions, we’ve been able to access the working capital required to fuel our growth, all while feeling fully supported at every step.Their professionalism, transparency, and proactive approach have truly set them apart from other financial service providers. Scottish Pacific’s flexible funding options have not only helped us navigate challenging times but have also positioned us for long-term success. It’s rare to find a partner who goes above and beyond to deliver real value, but Scottish Pacific does just that. We look forward to continuing our partnership for years to come!
Ben O'Neil
1728876979
Working with the team at Scot Pacific has been a great experience. Over two years into our partnership and I am still amazed and grateful for the personalised service and help they give me and my business regularly. As the big banks become less personalised and having an account manager or personal contact point for business less obtainable I've truly enjoyed the level or service and how easy it is to contact and speak with the team at Scot Pac Finance.
Kim J
1725932559
I am a Commercial Finance Broker who utilises ScotPac for my clients finance needs, I just want to take the time out to thank a few amazing people at ScotPac who have helped me give so many of my clients a chance to grow their businesses... Their knowledge level, as well as their customer service levels are off the charts! Such a specialised group of experts for all things business lending related. Thank you to Estelle A, Daxa P, David T, Snehal K, Aaron R and Phil G. From my amazing BDM (legendary BDM) through to credit through to docs + settlements team you 6 are superstars. Thanks for the outstanding support you provide to me and my clients!
Bhupesh Kakar
1725323362
We've had nothing but great experiences at ScotPac thanks to the wonderful team, Kshithij and Kristy have been amazing. They were able to help us in the areas we needed and have been excellent to work with. They are quick to attend to our demands, recognizes our urgency, and have a broad understanding of what we need. They communicate well, and we appreciate their assistance.Thanks a lot guys - Team - L&O Technologies
Chelsea K Vela
1715305347
Our experience with our client relationship officer Kshithij has been fantastic. Quick responses and able to assist us in the ways we needed. He has a rounded knowledge on what we need, understands our urgency and is prompt to meet our needs. His communication is strong and we are grateful for his support.
Cheryl Boddington
1715237142
Our Client Relationship Manager Kshithij is so easy to work with, he is efficient and very helpful.
Birol Guler
1702862862
Our experience with ScotPac and in particular Jordan White has been exceptional service, with prompt response and action to our queries. Amazing journey and experience so far.
Ginnie Tan
1698879028
I have been thoroughly impressed by the exceptional support and assistance provided by the team. I truly appreciate their dedication and willingness to help. Thank you team and especially Nik for your immediate response always.
Reton International
1696550971
We use Scotpac for number of years and it really helps our business to grow. Staffs are really friendly and special comments to Patrick! Well done!
Nick
1692159475
Scottish Pacific has assisted in the growth of my Business, as my business is labour focused we required high and steady cash flow. Our growth would not have been possible unless we used some type of facility such as the one offered by Scot Pac. I have been very happy with the arrangement in place over the last 6 years and their customer service team does a fantastic job, and at the end of the day if they can put up with me they're doing ok!
William Renwick
1689219345
The Team at Scotpac Business Finance are very approachable and take a genuine interest in our Organisation and how we move forward on our growth trajectory. Jordan White and his Team have been a pleasure to work with and their understanding of our business has been an important part of the ongoing growth of our business. We look forward to further strengthening our ties with Scotpac.
William Thomas
1689144231
I gotta say, my experience with ScotPac Business Finance was simply fantastic, all thanks to the exceptional help from Jordan and Ali. These guys really know their stuff and were super helpful in getting me through the financial stuff. I can't thank them enough for their dedication and guidance. If you're looking for top-notch service, ScotPac Business Finance is the way to go!
Jack Marulli
1689144149
ScotPac Business Finance is an outstanding financing partner. Their personalised service, wide range of financing options, and exceptional customer support from Jordan and Ali make them a top choice for businesses. Highly recommended!
Prashanth Shetty
1686919172
I have been using Scotpac for over 4 years. My experience with Scotpac has been top-notch. Their system is user friendly and reports were instantaneous. Jordan, Leigh and Ali are always helpful and prompt in addressing any issues that I have faced. I highly recommend Scotpac to anyone looking for cash flow funding to support their business growth.
Ty Logan
1680501521
Daxa P (my Portfolio Mgr), what a STAR! Daxa P walked me through the process and was very transparent, always available (returned my calls promptly) and extremely understanding of cash flow pressures and time-sensitive funding. I highly recommend ScotPac, and if you are lucky, you will have Daxa P as your Portfolio Mgr.
Narelle Robertson
1680315790
ScotPac's system/platform is easy to navigate. I can get reports in an instant, allowing us to see what is paid and what is outstanding. The staff are great to deal with as they are friendly and down to earth. Nothing is to much trouble for them! I highly recommend ScotPac for Debtor finance.
Mitch Dawson
1679915970
We have been with ScotPac over 5 years now and the competency, adaptability and innovative endeavour shown by our relationship manager Jordan White and Nisha Mahadavan has given our growing business tremendous support along the way.Having finance made easily available and delivered with a personable approach, we could not be happier with the service we have received and look forward to continuing our relationship into new phases of business.
Neil Tunstall
1653972035
Tiffany and the Scotpac SA teams energy and passion for working with SA based SMEs and their advisors is very refreshing.Scotpac has a very diverse mix of funding options which really suit many growing SMEs
kris espo
1653620267
ScotPac have been a great working partner for many of my clients over the years. Their products and policy set them apart from the rest of their competitors. They are a reliable source of funding for many businesses. I highly recommend them.
Donna Ahles
1648697873
Our Company has been using Scottish Pacific for a number of years now. The team provide a great service and are friendly and helpful. The platform is user friendly and nothing is too much trouble. Franc and Yvonne you've been just fantastic to work with. Thankyou!
Chris Kneipp
1648438684
Scottpac, truly understand our business needs and have the flexibility in their facilities to address any business specific concerns we have. Their dedicated account management team have been super responsive and always go the extra mile to ensure we get the best result for our business.
Gregory Cester
1648414826
Helpful, flexible and reliable. Scotpac has been a tremendous support for our business during unpredictable times. Our client relationship manager Douglas is super friendly and always available.
Stephanie Nelson
1648010887
Our company has been using Scotpac business finance and bad debt protection for several years now. They provide a fantastic service to our business for funding and protecting our debt. The team are friendly and very helpful with anything I need assistance with.Douglas, Esma & Jac - I email nearly everyday for cover on clients or assistance with our funding, They always get back to me urgently. I couldn't rate your service any higher.Thank you all
Chad Roberts
1647894113
Our company has been using ScottPac for over 5 years now. During this time, we’ve had nothing but great customer service and support. My dealings with the Francisco, our Client Relationship Officer have always been excellent. I can also say the same for previous Client Relationship Officers that I had the pleasure to work with. I wouldn’t hesitate to recommend ScottPac to others that require their services.
Mandy Whitlock
1647845123
We have been working with ScotPac for quite a few years and have found them to be friendly and most helpful in assisting us with our financial requirements. Susanna and Breanna have been really great to deal with. They assisted by making adjustments to our account which enabled our company to recover after an unusually difficult situation.In terms of the daily process, the platform is very easy to use. I would definitely recommend ScotPac, they have been wonderful business partners.
Tracey Cemo
1647476180
ScotPac have been an instrumental part of our business. Their customer service is fantastic and we've been able to count on them to provide support to our business with minimal notice. They are well above their competitors and we wouldn't go anywhere else for Business Finance needs.
Karen Neilsen
1647471940
We have been with ScotPac since 2018, from day 1 our client manager Michael Byrnes has gone above and beyond in every aspect not only guiding us through but walking us through every step. We have most certainly pushed the boundaries with Michael and ScotPac on a whole. Michael has worked tirelessly with us making sure we get the best out of our invoicing. I would recommend ScotPac for any business!
Ryan Gilbank
1647409958
We have utilised the facilities offered by ScotPac over the past 5years. Their teams are excellent, their packages are more than competitive and they take the time to hear you and reply with solutions that suit our business personally.
Lisa Jalocha
1646872905
Its great to have a personal contact who looks after your account. Never having to phone a call centres and someone who knows your business & is easily contactable.
David Booth
1644280001
We have been using ScotPac Business finance for more than eleven years and have found them to be a wonderful organisation to work with. Their team are responsive, caring and work with you to maximise your debtor finance arrangements. Our business would not be where it is today, if not for the help and support we have received from ScotPac.
Sara Gehrmann
1641770794
ScotPac has been a major turning point in the growth of our business. Their portal has provided an incredibly easy way for us to view and access our funds and plan our cashflow forecast, so we are working smoother than we ever have! Coming from a previous funding facility, the fees are minimal and very well worth the value we have found in their platform. Many thanks to the whole team!
Chris Rae
1641263988
ScotPac have been a game changer for us. The ability to grow our business and realise cashflow immediately has enabled us to push harder into existing markets and develop new markets for our services.
Luke Power
1640042802
Providing such a proffesional and personable service at the same time is no small feat. ScotPac has gone above and beyond in working with our business to acheive the most suitable outcome for us. I highly recommend not only the business but the team itself. Thanks again to Amanda and Allison.
Heath Bruns
1639370940
Excellent service and response times to non traditional lending scenarios.Well done team ScotPac.
N G
1637845318
My company engaged Scotpac to assist us with Debtor Finance & I can say that I highly recommend their service. Not only are they extremely helpful and friendly, but they work quickly and efficiently. We had solved our cashflow issues in under a week!Thank you!
Terry Jones
1637295229
Thanks to Dean in Perth, Allison in Sydney and the rest of the ScotPac team for a seamless application and approval process. Within a few days the Cash Connector facility was live and we had immediate access to working capital. As a return ScotPac client (across very diverse industries), I strongly recommend them as a partner for any fast growing and scaling organisation.
Kristen Woodfield
1634109653
Very happy with the service provided, Amanda Bird went above and beyond. Highly professional, Kept me up to date throughout the process and respected my restrictions and worked very closely with me. I honestly didn't think I would be up and running but with Amanda's help I'm living my dream. I'll keep dancing like no one is watching xoxoxoxoxoxoxoxo
Torran James
1631081867
ScotPac CashConnector has provided my business with a fantastic solution to bolster our cashflow and ensure we have the necessary funds available as required. I have been working closely with Daxa Patel who has ensured that no question has gone unanswered. I have found working with her and the team at ScotPac to be very easy whilst being shown my business is important to them. Highly recommend the product and the team!
shane grimwood
1630997663
ScotPacs Cash Connector product has been a game changer for my transport business, with many ongoing costs Cash Connector allows me to manage my cash flow for wages, repairs and other costs, my assigned account manager Daxa is always on hand to advise and help with any hiccups that may occur.. I highly recommend this product and the Cash Connector team..
Mark McSkimming
1630299932
Scotpac have been very helpful and very professional. Daxa Patel account manager has been very helpful in all areas and would recommend her any time to talk to.
Lloyd De swardt
1629995195
Cash connector has assisted with large capital expenditure and excelled my business growth.Staff are super friendly and work hard to assist with your day to day issues, while maintaining a great level of professionalism.Would strongly recommend a chat with them to see if they can assist!
Danielle Jamesion
1629946555
Highly recommend ScotPac for Business Finance. Daxa especially is always very friendly and helpful and will go the extra mile to assist.
KSIS Admin
1629786504
Scottish Pacific and the Cash Connector portal have provided our business with an easy to use cashflow option. It provides real time information on available funds and all the staff are quick to respond to any questions we have.
Anjana Chauhan
1629731130
Our company is very impressed with the services that Scotpac provides. Daxa, Allison, Rhys and the team are very helpful and always ready to assist in making our life easier. It has been very beneficial to help manage business cash flow since we started dealing with them.Excellent service, flexible approach, easy to communicate and very professional.Looking forward to many more years of working together. I would highly recommend ScotPac Business for your finance solutions.
glenn perkins
1629434544
ScotPac are a vital part of our expanding business. They have worked very well with us from the beginning and the service from Daxa has been first class.
Satpreet Singh
1629342445
SSE personnel has been operating with the aid of Scottish pacific for close to 9 months, which has been smooth and just easy to work. It’s account manager Daxa Patel is an industry experienced professional, who has just been fantastic to work with a great attitude that has always been able to come up with solutions to any issues we experienced on our end.
Samuel Treffers
1628809177
Amanda, Marcelle and the team at ScotPac were a pleasure to work with in applying and implementing finance packages for our growing business. Communication was clear and simple, resulting in an outcome that sets up our business for a period of rapid growth.
Lucky's Transport Group
1628657218
ScotPac has been outstanding in assisting with Business Finance. Everything has been so straightforward and stress free.The team has been nothing but helpful and friendly. ThanksOur ScotPac Account Manager has been so quick, friendly and efficient with all communication and correspondence.I would highly recommend ScotPac to any business that is needing assistance with Business Finance and freeing up any cash flow. They can do so much to assist. Thank you.
Sharna duggan
1628304339
Scotpac have been a god sent for our company. As we had to wait 60days for our clients to pay our Invoices this put a major financial strain on our business, then we found Scotpac and never looked back. Staff there are always friendly, helpful and quick to fix or answer any issues. We have had the pleasure of having Daxa Patel as our Account Manager throughout this process and appreciate everything she has done and is continuing to do! I recommend this company to all small businesses.
Sid Samuel
1624832075
I would highly recommend Marcelle and the team at ScotPac Finance. Very helpful, understanding and professional every step of the way. A very refreshing experience for business finance compared to the traditional banks.
Bligh Williams
1623736110
I have been working with David Craven at Scot Pac and his team to put in place a invoice factoring facility. The professionalism and standard of service could be described as exceptional.The focus on getting the facility not just approved but operational was amazing.If you have lost confidence in service being provided by financial services suppliers in today market, then you will find the Scot Pac experience to be outstanding.
Ben Jell
1622583461
Amanda and the team were amazing from start to finish. Personal service with a response based on more than just a computer algorithm, They provided the facility we needed to grow our business and expand into the future. I would recommend Scottish Pacific over any of the other lenders we have dealt with easily.
Craig Johnston
1621572746
We recently engaged with ScotPac to assist with our business finance solutions, which has allowed us to manage cashflow and continue to scale our business. The team were fantastic to deal with, very professional and excellent customer service. A special thanks to Amanda and Michael for bringing us onboard and your tireless efforts to help, and to Anca and Kirsty for your ongoing support. 10/10 stars
Rob G
1621404184
Thank you for the fantastic service. ScotPac are very professional and i use them often
Rob Furlan
1619751919
Allison and Team have supported us well with transitioning into Cash Connector. The transition was smooth and they were very helpful in getting us going!. Well done Scot Pac with the Cash Connector product - makes our financing requirments effortless!
John Mayger
1619146227
We've had no problems with Scotpac. Always friendly and responsive to queries. Joanne is our manager and deals with our account. Recommended.
ed
1617771519
I've worked with a number of different lenders similar to ScotPac in the past and none have come close to ScotPac in terms of eligibility, pricing and customer service. Can't thank Richard and the rest of the team enough for their help in assisting my clients finance needs. If there are any businesses or finance brokers looking for the best, ScotPac is the way to go.
Rachel Wilson
1617759214
I highly recommend Scotpac, they have been a breeze to deal with.The progress claim and debtor insurance facility has enabled our business to control our cash-flow, minimise our risk and increase our revenue.The service from Daniel our client manager is invaluable, he has been a wealth of knowledge and constant support for our steel fabrication business.
Murdo McKay
1617602455
ScotPac have been superb to us. Teething issues took a little bit to get through, but ScotPac were responsive the whole time and really tried to make the process as smooth as possible, and resolved our issues quickly and efficiently.Since then, the service has been fantastic. Has really helped kick start our business, and accelerate some of our plans.Joanne and Nil in particular have been great help, and are extremely responsive, helpful and understanding. Overall, we've been extremely satisfied with the service, and the support we receive.
Colin Selby
1617145531
Very efficient and quick to respond to the customer. Their debtor finance offering continues to help my clients as they grow. Amanda Bird is excellent!
Carly Champion
1617002791
We have been dealing with Scotpac for over a decade now & have always had a great experience. They are extremely professional & very knowledgeable.Every Staff member we have dealt with goes above & beyond to help our business grow.I don’t know where we would be without Scotpac
Craig Titmus
1616743414
Marcelle, Amanda and the team are friendly, knowledgeable, positive and always looking for a way to find a solution. Thanks for your on-going support
Trevor Arklay
1616740365
We have been in partnership with Scotpac for several years now and right from our first contact with them they have always been conscious of our understanding of the processes and commitments involved in our relationship.We recommend contacting Scotpac to help with financial solutions.
Tessa Villero
1616543921
Nil and his team at ScotPac have been nothing short of a blessing to work with. Matters get resolved instantly and the flexibility offered to cater to our type of business has been amazing. Great client relations and super easy and fun to work with.
Rob Cotterall
1616446237
Scotpac's Progress Claim team have been first rate in supporting us to succeed with our projects in recent times. We have an extended team focus when working with them as their short term lending support levels out our cashflow and enables us to pull the bigger projects off. We couldn't do it without them so thanks heaps!
Claudia Roughley
1616289278
ScotPac have worked alongside us for several years now as our business has grown. Joanne and her team keep us on track and have made great efforts to get to know us and therefore they have been really accommodating for the way our business works. I admire how responsive and diligent they all are - and appreciate that a lot!
mathew carmody
1615963878
Hector, Breanna and the team at scotpac are extremely good at what they do, we have used them for some time now and they are always willing to work with your business to achieve the result you need on time
Narrabian
1615933743
ScotPac are a very ethical and professional company who I've worked with regularly over many years. All the staff that I've dealt with are friendly, efficient, honest and upfront and their rates are very competitive. I would definitely recommend them to anyone considering using their services.
Spiroulla Ploudias
1615885720
Our company has been working with ScotPac for many many years now and we have found them to be professional, accommodating and have assisted us with our companies finance needs. Jordan White our Client Relationship Officer and Douglas Chiganze our Client Relationship Manager have been wonderful to deal with. We highly recommend ScotPac.
daniel Romeiro
1615782941
Richard the BDM took a lot of time out of his busy schedule to help in every way possible during the application process.Once we had been approved I was handed over to Joanne at this stage i was nervous in how to use their product, however Joanne made this transition very easy with been so kind and patient in the entire process.I would highly recommend both Richard and Joanne from Scot Pac.Nil has also been very helpful.thank you
Steve Cole
1615764050
Flexible facilities, responsive team, a business looking to help other businesses succeed
Ian Head
1615760699
I find the team at ScotPac very easy and helpful to deal with which makes my life easier.
Isi Slonim
1615518572
We have been a client of Scottish Pacific since they took over the company we had previously used for our business finance requirements. We are very satisfied with the service and professionalism of the staff and have no hesitation in recommending the organization.
Carol Wong
1615513761
The Team at ScotPac are very helpful and efficient at all times, always ready to help whenever needed.Appreciate their services rendered.
Simon Johnson
1615428378
Richard H and the broader team are focused, fast and always happy to find solutions for unique situations. Trust them completely with my clients.
A W
1615424241
Richard and the team at ScotPac have been fantastic. They are commercial, partnership oriented and have been extremely prompt and helpful with all their services and onboarding. Very highly recommended!
Zdenek Sebek
1615355208
I have had along standing relationship with Scottish Pacific and I have found them very easy to deal with. The staff, particularly Jo Tinkler have been very professional and have always found a way to provide help when it is required. Scottish Pacific have a range of financial products that make running my business just that bit easier.
Henry Renwick
1615332141
ScotPac has been absolutely fantastic and vital in enabling us to grow and expand our business. They take a genuine interest in our business and are always looking for ways to help. They're also very flexible and can suit the needs of any business.Nisha Mahadavan and Jordan White provide expertise and customer service which is second-to-none. Would definitely recommend!
Kaye Brown
1615250310
Scottish Pacific have been excellent finance providers for our Company. The Team at Scottish are very professional, helpful, friendly and understand our needs. I can highly recommend Scottish pacific.
Lisa Cook
1615153951
Kings Resources Pty Ltd experience with the ScotPac team has been helpful and efficient. My contact is with Nelly and she offers solutions to any questions I have.
Bounce LED
1615072335
Scottpac has been a fantastic finance partner to Bounce LED for the past 5 years. Vatsala and Barkha take care of our weekly requirements and are a pleasure to deal with.
Roy Garry
1614916495
Having dealt with Scottish Pacific Business Finance for many years, I can recommend engaging with them if your business needs financial assistance.They have been strong partners of our company, and have enabled us to grow our business through their ongoing support.I cannot recommend highly enough the professionalism of the ScotPac staff, and their ability to listen to their customers needs and provide additional support when needed.
Convic Australia
1614915980
Our company Convic Australia Pty Ltd have been with ScotPac since 2005. In that time we have been fortunate to have had substantial growth and ScotPac have been there every step of the way to facilitate our growing needs. Scot Pac staff have always been very professional, friendly and so easy to deal with. Service has always been excellent.We consider Scot Pac as an extension of our business and look forward to many more years of working together!
Carrie Gao
1614820795
Working with Scotpac in the past three years has brought our business a fast growth. They truly care about what we need and work closely to make sure we have all possible support. The team members are friendly, professional, and responding fast to all emails or calls. They are highly recommended for any growing business.
Jim Skelton
1614677207
ScotPac have been partnering with SSH for quite some time now and we have always relied on their very responsive and informed service.
Damien Hopley
1614665185
ScotPac has changed the way we do business, for the better. From communication, training, service and problem solving, they are a delight to deal with. Both Malcolm and Tiarra are always at the ready to help solve all issues the business faces. They are a tremendous team, providing solutions quickly and efficiently and the advice they provide is always beneficial.
greg bannister
1614655054
ScotPac has been a great partner for 4 years allowing Gateshead Traffic Solutions to expand with ease . We can recommend ScotPac for all your finance needs
Harry Grewal
1614641267
ScotPac is a great facility that has assisted our business better manage our day to day cash flow requirements. Being a start up business the debtor finance facility has been crucial in the success of our business. Also the equipment finance facility offered by ScotPac is an alternative solutions to the major banks as their lending policies may not always be suitable to every business and their requirements.Our Client relationship manager Malcolm Naidoo has always been very helpful, professional and reliable. His dedication to our business has helped us become a successful Road transport operator.
Claudine Gomez
1614634655
Have a debtor finance facility with ScotPac. They are great to deal with, very responsive and helpful. Staff are approachable and understand our needs. Great Portal software for easy access to all our cashflow data. Our Manager, Malcolm Naidoo, has been great from day 1. Highly recommend.
Rob E
1614567276
Our client relationship manager is Vatsala. She and the Scot Pac team have been diligent and a key element of our success, including having sophistication and experience to navigate through events with Covid in early/mid 2020. We highly commend the Scot Pac
Mario Dimovski
1614565086
ScotPac has been a vital key to our businesses on going growth allowing access to early funding from our customers. Being a small business rapidly expanding across Australia we have had the ability to financially support our expansion plans using the Scotpac facilities, working with the wonderful support team led by Bineeta Koyak. Well done guys, highly recommended.
james hoeft
1614554379
Gavin Dudley - efficient, effective and professional. No hesitation in using/referring Gavin again.
Kellie simkin
1614550182
I have made the switch to Scot Pac and Cash Connector and the entire team here all love it. Scot Pac are great to deal with and Cash Connector is an excellent product that suits our needs so well. The ability to pick and choose funding along with only paying when you do a funds draw down is of great benefit to us. I highly recommend Scot Pac and Cash Connector.
Corey Simpson
1614375955
I can highly recommend Scottish Pacific. We have been been partnering with them for many years and nothing is too difficult, they really do want to help. I can't fault the service they provide.
kelly ye
1614311711
We’ve been dealing with ScotPac Perth Team for more than 4 years and absolutely enjoyed their services so far. SocPac is the great business partner with first class communication, easy to deal with and have a real understanding of our business needs. They are always happy to listen and willing to help whenever we need. We highly recommend ScotPac to any business seeking for finance solutions.
Amina Adra
1614308249
My experience dealing with SCOTPAC has always been a positive one. They are always there to answer your queries in a timely and professional manner. A delight to work with. Thanks again for your exceptional service.
Vanessa Evans
1614303459
ScotPac has been an essential business partner with us since 2014. ScotPac provides the perfect funding & debtor insurance solution for our business. We highly regard our relationship with their professional team of staff, especially Vatsala & Barkha, who are always looking to add value to our business. Thanks ScotPac!
Phanindra H
1614214789
Really easy to deal with through and set up process as well.Allison and Daxa are my agents. They truly care about what you need and they went above and beyond to make sure I had all the information required to make the right decision.
Jacob Bush
1614205683
Excellent finance providers.They offer great flexibility which has enabled our business to grow as fast as possible.I've worked a lot with Nisha Mahadavan and Jordan White and couldn't ask for a better client services team.
Edward Yabsley
1614146519
Scot Pac Business Finance provides excellent tailored finance & debtor solutions to a diverse range of clientele. They've got an outstanding & responsive support team to assist in time sensitive purchases.Their ability to assess transactions with a commercial appetite is a breath of fresh air in the finance industry.
Nicole Burton
1614126228
Excellent service, couldn't be happier. Best decision ever made to us ScotPac
Daz Elderton
1614124297
ScotPac are one of the few lenders in the market set up to support business growth and expansion without the need for bricks and mortar security. ScotPac continue to develop new products in response to the changing landscape in Australia. and their staff are keen to find ways to assist.
Peter Lucas
1614083598
Amanda Is really easy to deal with. Straightforward and to the point. She knows her stuff and is very commercial. She makes things happen.
Sean McLellan
1614062538
ScotPac were quick to offer us finance for stock. Easy to deal with and good customer service. Easy online portal to navigate. Thanks to Marcelle. I hope we can continue to grow our business together.
Sarah Jones
1614025225
A great team of consummate professionals; I regularly communicate and deal with a number of different team members at ScotPac and their service and communication are fantastic.
Bruno Klos
1613977263
Just wanted to say a Big thank you to the Scotpac team in assisting my clients with their cash flow needs through Debtor Funding as well as Equipment Finance.Found the experience of lodgement and processing easy and the team always will to assist.Thanks Amanda for the open lines of communication, discussion and meeting the clients needs.
Michael Fingland
1613631881
Scottish Pacific have assisted a number of our clients over the years and we’ve always found them to be commercial and flexible with a great focus on client service.
Milena Urosevic
1612914110
Fast and easy to deal with. A prime mover equipment finance approval within 2 hours. During a time when the Banks service levels are only declining, it is great to see other lenders picking up the slack and offering excellent service each time.
Tim Matchett
1571293296
What a difference 10 months makes. Scot Pac Equipment Finance have got a product that is marketable. We just settled a $480k deal in two weeks. A tough deal however the customer could show ample servicing and Scot Pac did their best to make it a deal.
Karl Hair
1561007749
Great service and a big thanks to the Daxa and Brenna for helping us grow our business. I would highly recommend Scottish Pacific to all growing businesses.
SCOTT HEMMERLING
1561006227
I have found scottish pacific to be a valuable tool for our company.With cash flow being so important they allow us to grow with customer demand and meet our delivery expectations.
michael andrews
1561002166
Lovely, easy to work with staff members. Very reliable and always have quick access to funds.
Lorinda Kearney
1560296315
Great staff, easy to work with. Online program is a bit clunky, but easy enough to use.
Why Asset Based Finance?
ScotPac’s Asset Based Finance gives your business fast, flexible access to working capital, secured against multiple assets - so you can seize every opportunity.
Fast Funding
Funds available quickly, with streamlined credit decisioning and technology-led monitoring for rapid access to the capital you need.
Flexible Limits
Facility sizes up to $50 million, secured against debtors, inventory, property, and plant & equipment - tailored to your business scale.
Higher Leverage
Access up to 75% funding against debtors with fewer covenants than traditional bank finance, unlocking working capital when needed.How Asset Based Finance can help your business
ScotPac’s Asset Based Finance helps corporate and enterprise businesses unlock working capital, fund growth, manage cash flow, and respond to new opportunities –without the constraints of traditional lending.
How Asset Based Finance works
Asset Based Finance provides a single, flexible funding facility secured against a blend of business assets.
You can access funds based on the value of your debtors, inventory, property, or plant & equipment.
Our pragmatic approach means fewer covenants, higher advance rates, and faster approvals – so you can focus on growth, not red tape.
Award winning Asset Based Finance
With ScotPac, you get the speed and flexibility of a specialist lender, plus the reliability and knowledge of a major funder. Over 35 years’ experience, $2.5BN+ funded.
9300
+
Business supported currently
$
.2.5
B
funded annually
+
35
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of experience
Faster approvals with ScotPac
ScotPac
- Small deal team with ultimate approval authority in the conversation
- Indicative approval - 3 days
- formal credit sign-off - 2 days
The Banks
- large organisation with multiple approval points across different teams
- no access to decision maker
- lending approval - 3 months
Why Corporate Finance clients choose ScotPac?
Eligibility
How do you know if your business qualifies for Asset Based Finance?
At ScotPac, we make it easy for corporate and enterprise businesses to access the funding they need. Here’s what we look for:
- B2B Operations: Your business sells goods or services to other businesses and holds assets such as receivables, inventory, property, or plant & equipment.
- Trading History: Typically, a minimum of 12 months in operation, with established asset values and consistent financial performance.
- Asset Base: Sufficient value in eligible assets (debtors, inventory, property, plant & equipment) to support a facility of $2M to $50M.
- Australian Operations: Your business is registered and operates in Australia, with assets located domestically.
- Creditworthy Debtors: Your customers are creditworthy businesses with a reliable payment history.
Not sure if ABF is right for you? Our team is here to help – contact us for a tailored assessment and discover how ABF can unlock your business potential
Frequently Asked Questions
HOW IS ASSET BASED FINANCE DIFFERENT FROM A BANK OVERDRAFT?
Unlike traditional bank overdrafts, ABF secures funding against a blend of assets, not just receivables. This means higher leverage, fewer covenants, and greater flexibility. You get a single, flexible facility that adapts as your business grows.
IS ASSET BASED FINANCE BETTER THAN MULTIPLE LOANS OR FACILITIES?
Yes. ABF consolidates funding into one account, simplifying management and reviews. You avoid the complexity of juggling multiple products, and benefit from a pragmatic, relationship-driven approach.
IS ABF EASIER TO ACCESS THAN TRADITIONAL BANK FUNDING?
Generally, yes. ScotPac’s streamlined process focuses on asset values and business potential, not just historical financials. We offer faster approvals and fewer restrictions than most banks
IS ASSET BASED FINANCE SUITABLE FOR GROWING OR CHANGING BUSINESSES
Absolutely. ABF is designed for businesses experiencing growth or M&A activity. It adapts to your needs, providing ongoing access to working capital as your asset base changes.
WHAT TYPES OF ASSETS CAN BE USED?
Eligible assets include accounts receivable, inventory, property, and plant & equipment. The facility is tailored to your asset mix for maximum flexibility.
WILL MY CUSTOMERS KNOW I’M USING ABF?
Typically, ABF is confidential, especially when secured against inventory or property. For receivables, arrangements can be structured to suit your confidentiality needs.
HOW FLEXIBLE IS THE FACILITY AS WE GROW?
Very flexible. Facility limits can be reviewed and increased as your asset base grows, ensuring you always have access to the funding you need.
IS THE FACILITY EASY TO MANAGE?
Yes. Our online portal provides real-time access to facility limits, asset values, and reporting. Our dedicated team is always available to support you.