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Fast and flexible funding to keep you moving

ScotPac has been providing funding to transport businesses across Australia for 35 years and in this time has helped its clients navigate their cashflow challenges to become Australia’s largest non-bank lender. ScotPac offers a wide range of flexible funding solutions, like Invoice Finance, Line of Credit and Business Loans to keep your business moving. With ScotPac, you get a big lender that cares like a small one.
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Fast Funding

Funds in as little as 24 hours, giving you fast access to the working capital you need.
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Flexible solutions

Explore a range of funding options to get the capital you need, minus the conditions you don’t.
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Partnership for Success

Direct access to decision makers and support from local lending specialists invested in your success.

ScotPac benefits for NatRoad members

ScotPac will provide a 50% discount on new working capital facility arrangement fees for NatRoad members. Call us on 1300 123 063 or send us an enquiry to find out more. Be sure to tell us you’re a NatRoad member to get access to this exclusive benefit. 

Talk to ScotPac

Call 1300 123 063 to speak to a Lending Specialist today.

Submit an Enquiry

Fill in your requirements and we’ll get in touch.

NatRoad Membership

Tell us you’re a NatRoad member to access exclusive benefit.

How ScotPac Business Finance can help your business

ScotPac Invoice Finance helps businesses manage cash flow, pay wages, fund growth, and more – tailored to meet your needs at every stage of your business journey. 

The best businesses know that cash flow financing can be a clever way to help them hire, build, grow and acquire. ScotPac can help your business unlock growth opportunities and outperform your expectations. 

How Business Finance works

Our simple process takes just minutes to complete, with less paperwork than traditional lenders, making it fast and hassle-free. 

Submit an enquiry, and our lending specialists will be in touch the same business day to discuss your needs and find the right funding solution. 

With same-day credit decisions and funding available in as little as 24 hours, ScotPac helps you access the finance you need – when you need it. 

Enquire now to get started

Award winning Business Finance solutions

With ScotPac, our clients enjoy the best of both worlds: The speed, flexibility and access of a specialist lender, and the reliability and knowledge of Australia’s largest non-bank lender. 

Six gold and white award badges from The Adviser, with one showing "Ranked First 2025" for Debtor Finance Loans and others labeling various broker product categories.
9300
+
Business supported currently
$
26.3
B
Invoices funded annually
+
35
years
of experience

FitsME: Essential Guide to Business Funding

A guide to small business on getting the right funding for you, by the Australian Small Business and Family Enterprise Ombudsman & ScotPac.

Cash flow pressures keep insolvency risks high – what SMEs should know

Learn how effective cash flow management can help reduce risks and keep your business stable.

SME Growth Index September 2025
Discover the latest challenges and opportunities shaping Australia’s vibrant SME sector

Is it right for you?

Wondering if your business qualifies for a ScotPac Business Finance? Here’s what we look for: 

Business ownership
Are you 18 years or older and either an Australian citizen or a permanent resident of Australia?

Trading history
Your business must have been trading in the same location for at least 12 months, with records of consistent sales.

Monthly turnover
Your business must have a minimum turnover of $25,000 per month in total sales.

Documentation
Your business will need to provide 6 months of business bank statements, a completed application form, and photo ID for directors or borrowers. 

Security
A strong asset base may help increase approval rates and loan amounts.

Not sure if you qualify? Our team is here to help – reach out, and we’ll work with you to find the right solution for your business.