Ever wondered how Invoice Finance works? Watch our video here!
Read our latest SME Growth Index Report in full here.

Fast & flexible funding to fuel your clients growth

Get flexible funding for your client in twice the speed of a bank

A new report has found the share of small to medium enterprises (SMEs) in Australia planning to borrow from non-bank lenders has doubled in the past four years to 31%, an acceleration rate of 8% a year. That figure now exceeds SMEs’ preference for bank borrowing, which declined by 4% year on year to 28%.

The findings come from the latest round of the SME Growth Index compiled by ScotPac, Australia’s leading non-bank business lender.

The report, which incorporates feedback from more than 700 SME leaders, also found that frustration with bank onboarding processes and approval times were key factors driving non-bank lending for SMEs of all sizes.

Respondents said non-bank lenders were generally twice as fast at approving loans than banks, with average bank loan approvals stretching to 35 days, and in some cases, beyond 55 days.

Other key findings about SME borrowing intentions include:

  • 55% of SMEs are planning to invest in their business in the next six months
  • 41% of SMEs will seek new funding options in 2022, on average applying for $753,000 in findings. The average forecast loan size for large SMEs ($5m-$20m revenue) is a tick over $1 million, compared to $398,000 small SMEs ($1m-$5m).
  • 2% of SMEs are unsure how they will ultimately fund new business investment.

ScotPac's Partner Portal

The Partner Portal enables you to better connect with businesses seeking funding options with easy to use sales and marketing tools. We’ve made it simple for brokers to generate more leads, manage prospects and nurture existing customer relationships, while delivering efficient ways to operate.
You access exclusive sales materials and tools to engage, qualify, and convert more leads in a shorter period of time with resources including:

  • Engage, qualify and convert more leads: In order to help our partners grow their businesses, our Partner Portal delivers instant Asset Finance approvals plus tools such as our Working Capital Calculator and Product Selector to help engage, qualify and convert more leads quickly
  • Be a smart marketer: Generate more leads and nurture them through your sales funnel, utilising simple, low touch and automated marketing campaigns with curated content from some of our country’s brightest marketing minds – customised with your brand
  • Build better relationships: Maintain and grow deeper and more valuable relationships with customers – with a library of pre-loaded social content for Facebook and LinkedIn and e-newsletter content and templates
  • Save yourself time: Improve efficiency to save time and expedite the process of delivering customer service


Not registered? Register Now

What best describes your business?

Small Business

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

Medium Business

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

Large Business

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

Get in touch

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

Wholesale Trade

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


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

Start up

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.

Get in touch

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

Invoice Finance

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

Asset Finance

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

Trade Finance

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

Get in touch

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

Need help? Get in touch with us below

Get in touch, we'll respond shortly