Business Cash on Call

Fast and flexible funding for your business

Fast set up – conditional approval in as little as 48 hours

Set limit available to use when you need it

Only pay for what you use

Business Cash on Call

A property secured working capital solution to smooth out your cash flow and cover unplanned investments and expenses.

Unlike a typical business loan secured against property, your credit balance is flexible. You can use Business Cash on Call as often as you need it and pay it back when you don’t. 

It’s a flexible type of business funding that allows you to secure competitive rates by using the extra equity in your residential property.

ScotPac offers fast approvals and tailored solutions – with limited paperwork and supporting documents required.

Benefits to your business
• Fast set up – conditional approval in as little as 48 hours
• Tailored and personalised solutions – we look for a way to say yes when others can’t
• Set limit available to use when you need it
• Only pay for what you use

 

Manage day to day expenses to improve your cash flow

Quick access to manage extra expenses when you need to

Property security allows competitive pricing

ScotPac, take a bow. You should know that you helped us keep 15 to 25 people in work over a 30-year period.
Keiran Wilson - Former owner, Specialty Doors
ScotPac, take a bow. You should know that you helped us keep 15 to 25 people in work over a 30-year period.
Keiran Wilson - Former owner, Specialty Doors

Why ScotPac?

We've been around for over 30 years, lending exclusively to SMEs. We uncover the hidden value in your business and residential property to help you grow.
Real Relationships Partner with us for the long term, with a local relationship team and direct access to decision makers.
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.
Real Relationships Partner with us for the long term, with a local relationship team and direct access to decision makers.

Who does Business
Cash on Call suit?

Enquire Now

For businesses looking for property secured working capital funding.  

Business Cash on Call is a type of business finance secured by residential property that provides access to additional working capital. You use the funding facility as much or as little as you need up to your credit limit. 

It provides a financial safety net so you can pay suppliers, cover overheads, and fund investment without having to wait for sales income to catch up with growth. 

You can set up a Business Cash on Call facility much quicker than a traditional secured loan. We don’t make you jump through hoops to get a cash injection for your business. 

To qualify for a Business Cash on Call facility, you must be an Australian business (company or trust) or self-employed individual with residential property to offer as security and who has had an ABN for more than 12 months.

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

WHAT ARE THE REPAYMENT TERMS?

You have the choice of repayment frequency – weekly, fortnightly or monthly.

There are Business Cash on Call options of principal and interest or interest only for up to 5 years.

WHAT TERMS ARE AVAILABLE?

Terms are available from 1 – 30 years. (5 years interest free reverting to principal and interest thereafter)

 

CAN I MAKE EXTRA REPAYMENTS?

Yes, you can make extra repayments on your Business Cash on Call.

WHAT IS THE MAXIMUM FUNDING I CAN GET WITH BUSINESS CASH ON CALL?

Business Cash on Call facilities range from $20k to $4 million depending on your property’s value and other factors. You access a loan-to-value ratio (LVR) of up to 80%

WHAT IF I’VE BEEN IN BUSINESS FOR UNDER A YEAR?

We offer a range of Business Finance solutions that can be tailored to your needs. Even if you’ve been operating as a business for less than a year, we may still be able to help. We also offer other solutions such as Invoice Finance, Equipment Finance, and Trade Finance. Call our team of friendly lending specialists today to find out which type of funding is the best fit for your business.

WHAT CAN BUSINESS CASH ON CALL BE USED FOR?

You can use Business Cash on Call for expenses and investments related to your business. This type of finance on property is much more flexible than a secured bank loan. We don’t place restrictions on how you can use the funding to grow your business.

HOW LONG IS THE APPLICATION PROCESS FOR BUSINESS CASH ON CALL?

You can receive conditional approval in as little as 48 hours. You’ll be able to secure funding faster if you prepare your financial documents before you apply. 

To learn more about what you need to apply for a Business Cash on Call, call the number below and speak to one of our business property finance specialists.

WHAT ARE THE INTEREST RATES?

The interest rate for a Business Cash on Call working capital facility depends on your individual circumstances. Interest rates are based on the amount you borrow against the property, your credit history, and other factors that contribute to your risk profile.

Call us to discuss how we can help
finance your business 0864 245 605

SPPF PTY Ltd is an Authorised Credit Representative Number 535859 of Mortgageport Pty Ltd Australian Credit Licence Number 386360. This information is current at 25th February 2022 and is for general information purposes only. It has been prepared without considering your objectives, financial situation or needs. Please refer to the product terms and conditions at scotpac.com.au.