Cash flow gaps making it harder
to cover stock and supplier costs?
If your Sydney business needs extra cash flow to pay suppliers, buy stock or manage timing gaps, a ScotPac business Line of Credit can help.
You can access working capital when you need it – helping you cover overheads, take advantage of bulk order discounts and keep cash flow steady while customer payments come in.
The Solution:
Business Line of Credit Sydney
Easy online application
A simple application process completed online in minutesFlexible limits
Our specialist credit team will assess your business needs and structure a Line of Credit around your working capital requirements.Access funds when needed
Once approved, you can draw on your business Line of Credit to pay suppliers, wages and other business costs when needed.Why choose a ScotPac's Line of Credit
ScotPac is Australia’s largest non-bank business lender, with decades of experience helping SMEs access flexible working capital. If your Sydney business needs funding to cover stock, suppliers or day-to-day costs, we can work with you to structure a business Line of Credit around your cash flow needs - instead of locking you into a fixed traditional loan. This gives you more control over when you draw funds, how much you use and how you manage cash flow throughout the year.
How can I access funds?
Draw funds when you need them, up to your approved limit.
Funds are usually provided as one lump sum upfront.
What can I use it for?
Suited to ongoing working capital needs like stock, suppliers, wages and seasonal demand.
Better suited to one-off purchases or planned investments.
How does interest work?
Pay interest only on the amount you draw, not your full approved facility limit.
Interest usually applies to the full loan amount from the start.
What happens when cash flow changes?
Gives you a flexible funding buffer to use as costs come up.
Repayments are usually fixed, even if your cash flow changes month to month.
Can I keep using the facility?
Draw, repay and redraw as your business needs change.
Additional funding usually requires a new application, top-up or refinance.
Case Study
How a transport and warehousing business supported growth with a ScotPac’s Line of Credit
The Challenge
A ScotPac client in the transport, postal and warehousing sector was dealing with uneven cash flow.
The business had several customers on different payment terms, which meant cash was not always coming in when costs needed to be paid. While their flexible invoicing strategy helped the business maintain strong customer relationships, they also made it harder to manage day-to-day cash flow and plan for growth.
The client needed access to extra working capital but did not want to take on a fixed term loan.
The Solution
ScotPac structured a $75,000 business Line of Credit to give the client access to working capital when cash flow was tight. The facility gave the business the flexibility to draw funds as needed, helping them manage uneven cash flow and respond to new opportunities without having to apply for a new loan each time.
The client used the funding to purchase new equipment and expand warehouse shelving capacity. This investment immediately increased storage space, helped the business streamline operations and, as a result, improve order turnaround times for their customers.
The Outcome
With greater capacity for sustainable growth and greater efficiency, thanks to ScotPac’s support, our client strengthened their liquidity, improved operational capacity, and secured future expansion potential, all while maintaining control over its cash flow management. If your business is experiencing similar challenges, a Line of Credit from ScotPac could be the key to unlocking your next stage of growth.
Australia’s leading business finance specialist
ScotPac has supported thousands of Australian businesses with flexible working capital solutions for over 35 years.
As Australia’s largest non-bank business lender, our lending specialists understand the cash flow pressures SMEs can face. We can work with your Sydney business to structure a business Line of Credit around your cash flow needs.
Frequently Asked Questions
What is a business line of credit?
A business line of credit is a financial solution that offers businesses a revolving funding facility. This means you can draw funds whenever your business needs additional working capital, rather than taking out a one-off lump sum loan. It allows for flexible access to cash to pay suppliers, wages and operating costs when cash flow is tight.
How does a business line of credit help cash flow?
Instead of waiting for customers to pay, you can draw on your approved limit to cover expenses and then repay as cash comes in. This smooths out the timing gap between when you buy stock and when you get paid, helping you avoid cash crunches.
Who is ScotPac’s business line of credit good for?
ScotPac specialises in assisting small and medium sized businesses that buy, hold and move physical goods. This can include wholesalers, importers, manufacturers, transport operators and food producers. If you are a Sydney business that regularly needs to meet business expenditure needs before cash comes into your business, get in touch with our lending specialists today.
What are the eligibility requirements for a ScotPac business line of credit?
To qualify for a ScotPac’s business Line of Credit, your business must have a minimum monthly turnover of $50,000 and at least 12 months of trading history. Our lending specialists will assess your full financial position to tailor the right facility for your needs.
What is the difference between a business line of credit and a working capital loan Sydney?
A working capital loan provides a fixed lump sum that your business needs to repay over a set period. A business line of credit provides you with an approved limit you can reuse again and again as you repay it.
How much can I borrow with a business line of credit?
Eligible businesses can access limits from $50000 up to $500,000. Your exact solution will depend on your company’s needs, eligibility and overall financial position.
How quickly can I access funds?
Once your line of credit facility is approved, you can draw funds as quickly as within 24 hours.
Do I need property as security for a business line of credit?
With a business Line of Credit, you do not necessarily need to put up personal property as security. Our team will assess your business’s financial position holistically and outline your eligibility.
Is a business line of credit suitable for businesses with seasonal demand?
For Sydney businesses that experience seasonal fluctuations in cash flow and therefore need to buy inventory ahead of peak periods when sales are low, a revolving business line of credit can be ideal. It allows you to stock up before demand spikes, access bulk discounts and then repay once the cash flows.