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.

Bad Debt Protection from ScotPac.

Cover for events that are out of your control

Peace of mind in uncertain economic conditions

Protect your cash-flow

Improve your credit management and control
Enquire now

What is Bad Debt Protection?

When added to your Invoice Finance solutions, Bad Debt Protection safeguards your business from the risk of bad debts arising from customer insolvency or inability to pay, ensuring you maintain your access to ready cash flow.

Choose key customers who account for a significant percentage of your turnover for extra peace of mind.

 

Tell us who

Let us know which debtors
your require protection on
and to what limit

Intelligent design

Using market intelligence
we'll set appropriate limits

Peace of mind

ScotPac manage your limits
and you continue to operate
with peace of mind
“
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.
Philip Ridyard – Director, Strait Brands
“
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.
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.
Trusted Lending more than $1b to SMEs, we’re Australia and New Zealand’s largest non-bank lender, with the awards to match.
Unlocking Growth We’re growth enablers, unlocking the potential in your business. Our customers grow at more than 3 times the average business.
Flexible Finance We find a way to say “yes”. We’re with you through the good times and bad, always adapting your business needs.
Unlocking Growth We’re growth enablers, unlocking the potential in your business. Our customers grow at more than 3 times the average business.
Flexible Finance We find a way to say “yes”. We’re with you through the good times and bad, always adapting your business needs.
Trusted Lending more than $1b to SMEs, we’re Australia and New Zealand’s largest non-bank lender, with the awards to match.

What are
the benefits?

Enquire Now

In the ever-changing environment of business ownership and management, the solvency of your clients and thus availability of cash flow can often be a key point of stress. Bad Debt Protection offers a little insurance against this uncertainty.

Peace of
mind
Protect
your cash flow
We'll help
with the claim
Save
time

For more information about how we can help your business, fill out a quick enquiry form or call us today.

HOW CAN IT HELP MY BUSINESS?

There can be a lot of uncertainties for today’s companies. Bad debt protection covers you in the event that a customer fails to pay. Scottish Pacific handles the claim reporting process, giving you peace of mind.

WHAT DO I NEED TO APPLY?

As an add on to our Invoice Finance solutions, either contact your Relationship Team or speak to one of our friendly specialists about what you need to apply.

Want to know more about
our business finance options?

Learn more

Call us to discuss how we can
finance your business 1300 850 322