Business Finance

We understand the needs and difficulties faced by businesses big and small, and how having access to funding is vital for maintaining cash flow and fueling long-term growth.

Whether you need a lump sum to purchase new equipment or a flexible revolving line of credit, we offer a range of business finance solutions to help you grow and manage working capital.
What do you need finance for?
Buy
equipment
Pay wages
Buy
stock
Fund
expansion
Improve
cash flow
Pay debt
Refinance
Import
goods
Enquire Now

Our Solutions

Know what you're looking for?

ScotPac offers a wide range of business and commercial finance solutions that help you get the funding you need
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Invoice Finance

Our Invoice Finance solution allows you to access the cash in your unpaid invoices Learn more
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Trade Finance

Trade Finance provides a cash flow injection to help manage the import or export of goods Learn more
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Asset Finance

Asset Finance helps by financing new and pre-owned equipment or accessing the capital tied up in existing assets Learn more
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

Why ScotPac?

We've been around for over 30 years, lending exclusively to SMEs. We uncover the hidden value in your business assets and make them work for you.
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. On average, our customers grow at more than 3x GDP.
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. On average, our customers grow at more than 3x GDP.
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.

About Business Finance

Enquire Now

Business Finance with ScotPac provides working capital for a wide variety of businesses.

Some key industries we support:

Recruitment &
Staffing
Wholesale
Trade
Manufacturing
Transport &
Storage

WHY DO BUSINESSES NEED FINANCE?

Access to finance is vital at every stage of the business journey. Both start ups and established enterprises can benefit from business finance. Whether you need a cash injection to smooth over cash flow gaps or access to funding to fuel expansion plans, a business finance facility is integral to sustainable business growth.

WHAT ARE THE DIFFERENT TYPES OF BUSINESS FINANCE?

Business finance solutions typically fall into two categories; equity finance and debt finance. In simple terms, debt finance involves funding that the business repays plus interest at a later date. Equity finance is the exchange of shares or part-ownership of the company in exchange to raise capital.

Debt finance

Debt financing is a broad category that covers a wide range of business finance solutions, including:

This category of business finance does not require the transfer of ownership or shares in exchange for finance. Funding is provided to the business and is later repaid plus interest. 

Equity finance

This type of finance can be more challenging to access, and typically involves giving up equity in the business in exchange for funding. 

  • Self-funding/personal savings
  • Venture capital
  • Angel investors
  • Family and friends

Equity finance can be more complicated than debtor finance, impacting operational decision making and the overall control of your business.

CAN I GET FINANCING FOR A SMALL BUSINESS?

Yes. Many small business owners are unaware of how straightforward the application process for business finance can be. While a business loan from a traditional lender can take months to arrange, a business finance solution from ScotPac can be approved and you can have funding in place in as little as 24 hours.

IS IT POSSIBLE TO GET BUSINESS FUNDING WITH BAD CREDIT?

A low credit score may impact your ability to secure funding from a traditional lender or bank. Due to strict lending criteria, you may be denied financing as the bank views your business as too much of a risk. Traditional lenders usually also require that use your personal property as collateral for funding.

Here at ScotPac, we believe that every business deserves the opportunity to grow. We’re focused on the future growth of your business rather than your personal credit history. If you’ve been rejected for a traditional business loan, speak to one of our friendly advisors about your business finance options.

Need help choosing Business Finance?

Not sure what type of business finance you need? Explore how we can help below.

Start up

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

Growth

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

Turnaround

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.

Wholesale Trade

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

Manufacturing

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

Recruitment

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

Transport

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

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.

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.

Tailored finance to fit
your business

Start up

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

Growth

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

Turnaround

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.

Wholesale Trade

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

Manufacturing

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

Recruitment

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

Transport

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

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.

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.

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

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