Google Rating

4.7

Based on 64 reviews

ScotPac Business Finance

4.7

review us on See all reviews

Brett Corrick

1698192514

Vatsala has been an amazing asset to our business - the best we have ever worked with across the finance world

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!

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!

Kristie Martin

1629952684

I work as a Financial Administrator for company that engages the services of ScotPac. I deal with Daxa 99.9% of the time and she is awesome to talk to. She is always helpful, prompt and extremely efficient at her job. Thank you.

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.

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.

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.

Steven Yu

1625464716

Very helpful team - even responded emails over the weekend.

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.

Aerose Velasco

1623631023

ScotPac has been very helpful to AHP. Having no knowledge how they operate and help AHP when my predecessor left without any handover, ScotPac has helped me understand and guided me every single step. I am working closely with Kirk and he is always there to help us along with Gina. AHP is always grateful and can't say anything but ScotPac is the best in helping what's best to our company.

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!

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.

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.

Andrew Phillips

1616449146

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!

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.

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

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!

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.

Stephane Debrincat

1614833987

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.

Brian Ingram

1614676680

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.

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.

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!

Cherry Rao

1614216634

Very friendly people, very helpful service, very good for the business!

Sonia Yacoub

1614211491

Berringa Honey,Over the past 12 months Scot Pac Finance have assisted us enormously with prompt efficient responses.Daxa Patel-Our Senior Account Manager understands our monthly business requirements and has always been very attentive to our needs.I would highly recommend Scot Pac to other businesses who require prompt capital assistance.

Nathan Tanner

1614135937

Great to deal with, extremely helpful and always willing to work with us to arrange a solution that fits our needs.

Mika Salvador

1614054496

ScotPac is very helpful, and I am glad we use their service. They're easy to communicate with, and when we need something from them, they give it as soon as they can. Nelly is the person I work with the most and she helps us with the best that she can. When I ask her to process a refund for our customer, she does it right away, which also helps us provide a better service to our customers. Shivani, on the other hand, is always there to assist Nelly and me with other stuff. I am very happy to work with them.

Teena Lee

1614035944

We have only been dealing with Scotpac for a short period of time, but we have had no major issues the staff are always willing to help and they are always friendly and any issues have been dealt with quickly and promptly.

Fast and flexible funding
to help every business

From simple to complex, small to large, start up, growth or turnaround,
we have a funding solution.

As the largest non-bank lender in Australia, we understand the
needs and challenges faced by businesses and how having
access to funding is vital for maintaining cash flow and fueling
long-term growth.

Enquire Now

4.7 Star Google rating based on 64 reviews

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

Got a growing pipeline, but can’t get the banks on board? We can provide working capital to help you grow.

Are cashflow gaps preventing you from taking on new opportunities? We can turn your unpaid invoices into funding.

Need a cash injection for your business but feel you’ve exhausted all avenues? We can offer new funding paths to get you back on track.

At ScotPac, we can help all business types access the cash flow needed for success. Find out more here.

Long payment terms and high overheads causing cash flow challenges? We can help, find out more here.

Unpaid invoices slowing down your business production times? We can provide a quicker source of cash flow.

Cash flow issues affecting the ability to grow your book? We can provide a more predictable source of working capital.

Need more cash to keep your business moving? We can help unlock the value in your unpaid invoices.

Other industries

Slow paying clients holding up your plans? We can help you with quick access to cash so you can keep moving.

Need a cash boost for new projects? We can help provide you with additional cash flow.

Unexpected expenses affecting your company growth? We can help provide working capital to drive your ambitions.

At ScotPac, we can help businesses of all sizes to access the cash flow needed for success. Find out more here.

Cashflow gaps affecting your ability to grow? We can turn your customer invoices into a source of funding.

Are your outdated assets or lack of equipment holding you back? We can help you access funds using business assets you already have.

Need more purchasing power in your business? We can provide fast funding so you can keep growing.

At ScotPac, we can help all business types access the cash flow needed for success. Find out more here.

“

Philip Ridyard – Director, Strait Brands

“

Philip Ridyard – Director, Strait Brands

Get Started

Why ScotPac?

We believe in relationships, not transactions, and make it our business to know yours. With over 30 years' experience, you can count on us to see the true value of your business.

Lending more than $1b to SMEs, we’re Australia and New Zealand’s largest non-bank lender, with the awards to match.

We’re growth enablers, unlocking the potential in your business. Our customers grow at more than 3 times the average business.

We find a way to say “yes”. We’re with you through the good times and bad, always adapting your business needs.

We’re growth enablers, unlocking the potential in your business. Our customers grow at more than 3 times the average business.

We find a way to say “yes”. We’re with you through the good times and bad, always adapting your business needs.

Lending more than $1b to SMEs, we’re Australia and New Zealand’s largest non-bank lender, with the awards to match.

Get started

Calculate how much you could borrow

Find out how much you could borrow with one of our invoice finance solutions

Enter the amount of money you are currently owed by your customers.

You could borrow up to:

Get started

Pretty simple, how much are you looking to finance?

You could borrow up to:

Get started

Simply enter the amount of money your supplier has invoiced you.

You could borrow up to:

Get started

Want more details? Check out our advanced calculator

Invoice Finance

Unlock the value in your invoices

Asset Finance

Fund new and pre-owned assets

Fast and flexible funding
to help every business

Tailored finance to fit your business

Start up

Growth

Turnaround

Get in touch

Wholesale Trade

Manufacturing

Recruitment

Transport

Small Business

Medium Business

Large Business

Get in touch

Invoice Finance

Asset Finance

Trade Finance

Get in touch

The positive impact was immediate. Without them we would have to use over half our sales revenue just to pay the monthly excise duty, which would make it impossible to manage cash flow effectively.

The positive impact was immediate. Without them we would have to use over half our sales revenue just to pay the monthly excise duty, which would make it impossible to manage cash flow effectively.

Why ScotPac?

Calculate how much you could borrow

Find out how much you could borrow with one of our invoice finance solutions

Enter the amount of money you are currently owed by your customers.

You could borrow up to:

Pretty simple, how much are you looking to finance?

You could borrow up to:

Simply enter the amount of money your supplier has invoiced you.

You could borrow up to:

Call us to discuss how we can
finance your business 1300 505 883

We’re an award winning lender

Invoice Finance

Unlock the value in your invoices

Asset Finance

Fund new and pre-owned assets

Trade Finance

Boost purchasing power

Business Loans

Fast funding to fuel your business growth

Fast and flexible funding to help every business

Tailored finance to fit your business

Start up

Growth

Turnaround

Get in touch

Wholesale Trade

Manufacturing

Recruitment

Transport

Small Business

Medium Business

Large Business

Get in touch

Invoice Finance

Asset Finance

Trade Finance

Get in touch

The positive impact was immediate. Without them we would have to use over half our sales revenue just to pay the monthly excise duty, which would make it impossible to manage cash flow effectively.

The positive impact was immediate. Without them we would have to use over half our sales revenue just to pay the monthly excise duty, which would make it impossible to manage cash flow effectively.

Why ScotPac?

Calculate how much you could borrow

Find out how much you could borrow with one of our invoice finance solutions

Enter the amount of money you are currently owed by your customers.

You could borrow up to:

Pretty simple, how much are you looking to finance?

You could borrow up to:

Simply enter the amount of money your supplier has invoiced you.

You could borrow up to:

Call us to discuss how we can finance your business 1300 505 883

We’re an award winning lender

Fast and flexible funding
to help every business

Call us to discuss how we can
finance your business 1300 505 883