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.

Home Loans and Business Loans

Fast, flexible and personalised Home Loans and Business Loans for Business Owners. Alleviate the challenge of securing a home loan or bank funding and unlock the equity in your residential property to fund your business. Enquire Now
Enquire Now

Business Loan and Home Loan Solutions for Business Owners

Know what you're looking for?

Get up to $4M to refinance your current home loan, buy a new home or finance your business by using your residential property as security. We say yes more often, with no constraints on how you choose to spend the money. No-fuss paperwork and conditional approval in as little as 48 hours, with a dedicated lending specialist to help you get the funding you need.
invoice_finance.png

Home Loans for Business Owners

Unlock the extra equity in your residential property to purchase a new home or refinance your current home loan to fund your business with terms of up to 30 years Learn more
trade_finance.png

Business Loans

Fuel business investment with competitive interest rates and longer terms compared to other business loan providers. Learn more
equipment_finance.png

Business Cash on Call

Smooth out your cash flow and cover unplanned investments and expenses with property secured credit available to use as you need it. 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 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. 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.

Who does Home Loans and Business Loans suit?

Enquire Now

Business owners looking to secure fast and flexible finance using their property as collateral or to purchase or refinance a home.

Whether you are looking to borrow a lump sum with repayments over a term or a credit facility you can use as and when you need it, we have a range of options to help.

  • Refinance your current home loan
  • Purchasing a new home
  • Finance growth or investment
  • Smooth out cash flow
  • Cover unplanned investment or expenses

You must be an Australian business owner or self-employed individual who has held an ABN for at least 12 months.

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

What Is Property Secured Finance?

Property secured finance is funding that uses residential property as collateral. Because of the property security, you may be able to access competitive interest rates and longer terms compared to other types of funding. A secured finance facility can be a cost-effective way to raise capital and fund growth

How Do Property Secured Business Loans Work?

Apply for a property secured business loan in three simple steps:

Submit your application and supporting documents. Our team of lending specialists can help you prepare everything you need.

Next, we’ll assess the value of your home and any debts already secured on the property. We’ll calculate how much you can afford to repay and determine the loan amount. 

We’ll make a loan offer based on the assessment. Once you accept the offer, we can set up the facility quickly, and you will receive funding.

What Can Property Secured Business Finance Be Used For?

You can use a property secured business loan to support your SME in a number of situations. We offer flexible finance solutions that put you in control of how to use the funding. 

Boost cash flow with affordable finance, cover unplanned bills or raise capital for a management buyout. You can also refinance your existing home or fund the purchase of a new residential property.

How Much Can I Borrow?

Apply for secured funding of between $20K and $4M, with a loan-to-value ratio (LVR) of up to 80%. Get the financing you need to cover cash flow gaps, fund your long-term business goals, or purchase or refinance a residential property.

How Soon Can I Get Funding?

We can provide conditional approval much faster than traditional banks. You’ll be able to secure funding quickly if you have your financial documents ready. Contact our team of property secured business loan experts to find out what you need to prepare and start your application.

How do I know which type of finance suits me best?

You can talk to one of our lending specialists who will be able to help determine which type of Finance is best for you. Simply submit an enquiry or call us today.

What are the repayment terms?

You have the choice of repayment frequency – weekly, fortnightly or monthly.
There are options of principal and interest or interest only for up to 5 years.

What terms are available?

Terms are available up to 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 property secured business loan or home loan.

What Are the Alternatives to Property Secured Business Finance?

Property secured business finance isn’t the only option for SMEs. We offer a range of loan products that can be combined with a property secured loan or used as standalone funding solutions. Contact our team of Business Finance experts to find out how we can help you with a tailored funding solution.

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 discuss how we can finance your business 0864 245 605

Disclaimer: SPPF Pty Ltd Australian Credit License 539333 Servicer of Loans made by ScotPac Property Finance Pty Ltd. This information is current at 1st March 2023 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.
&preview=true