Supply Chain Finance from ScotPac.

Complete funding solutions,
tailored to your business

NO PROPERTY SECURITY REQUIRED

Increase & maintain stock levels

Meet production schedules

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What is Supply Chain Finance?

Supply Chain Finance is a term used to describe a combination of multiple working capital solutions, but typically focusing on Trade Finance and Invoice Finance. It essentially provides additional working capital to businesses from the point of payment to a supplier through to the point at which payment is received from their customer. This timeframe can be up to 180 days.

This improvement to cash flow allows for continued and sustained growth instead of having to wait the full payment term for funding.

Keep cash flowing

Cover cash flow gaps of up to 180 days

Complete funding

Fund up to 100% of the cost of goods

Risk protection

Protect against FX loss by locking in rates
At ScotPac, the people actually make the effort to understand what you do. Every single time we have leaned on them, they have been there as partners for us.
Hussein Rifai - Chairman, Shepparton Partners Collective
At ScotPac, the people actually make the effort to understand what you do. Every single time we have leaned on them, they have been there as partners for us.
Hussein Rifai - Chairman, Shepparton Partners Collective

Why ScotPac?

We find a way to say “yes”. We're nimble and inventive with our funding solutions by unlocking the hidden value in your assets.
Fast Funding We can get you up and running in as little as 24 hours.
Tailored to Fit Solutions tailored for your business, we adapt to ever-changing funding needs.
Experts in SME We have over 30 years of experience lending exclusively to SMEs and make it our business to know yours.
Tailored to Fit Solutions tailored for your business, we adapt to ever-changing funding needs.
Experts in SME We have over 30 years of experience lending exclusively to SMEs and make it our business to know yours.
Fast Funding We can get you up and running in as little as 24 hours.

Who does Supply
Chain Finance suit?

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Supply Chain Finance is an ideal funding solution for businesses that purchase goods from overseas suppliers and sell to business customers on standard trade credit terms. For example, manufacturers that need to meet demanding production schedules using imported parts or wholesalers that need to maintain high stock levels for popular products.

Visit our Invoice Finance and Trade Finance pages to find out more, or get in touch to discuss how ScotPac can help.

  • Fund finished or raw goods
  • Up to 180-day terms
  • Lock in FX rates
  • Enable business growth

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

Fund finished or raw goods
Up to 180 day terms
Lock in FX rates
Enable business growth

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


HOW DOES SUPPLY CHAIN FINANCE WORK?

Supply Chain Finance works by unlocking the working capital that is tied up in the supply chain. In simple terms, it allows buyers to extend the time before they need to pay for goods and helps suppliers to get paid for their goods and services faster. It can involve trade finance, invoice finance or a combination of the two business finance solutions.

WHAT ARE THE BENEFITS OF SUPPLY CHAIN FINANCE?

Suppliers and buyers can both benefit by gaining access to more working capital to enable business growth, without risking the family home as security. There are several benefits of Supply Chain Finance, including:

Buyers:

  • Access extended payment terms
  • Bulk buy to secure discounts from suppliers
  • Ensure the supply of goods and materials isn’t impacted by cash flow gaps
  • Maintain working capital to fuel growth

Suppliers:

  • Increased cash flow
  • Access funding at more affordable rates
  • Get paid faster
  • Build stronger relationships with buyers
  • Our facilities grow in-line with your business, so you don’t need to constantly re-negotiate funding limits.

WHO BENEFITS FROM SUPPLY CHAIN FINANCE?

Both the supplier and buyer in a B2B transaction can benefit from Supply Chain Finance. Buyers can access longer payment terms and improve access to working capital, while suppliers can get paid for their goods and services faster.

This type of funding solution can be used across a wide range of industries, including:

  • Manufacturing
  • Wholesale
  • Construction
  • Transportation
  • Mining

IS SUPPLY CHAIN FINANCE JUST FOR LARGE COMPANIES?

Supply Chain Finance can be used to support the working capital demands of both large and small businesses. Cash flow gaps and extended payment terms can be a problem for businesses of all sizes. With a Supply Chain Finance solution, buyers and suppliers can access the funding they need to maintain liquidity and keep growing.

IS SUPPLY CHAIN FINANCE A LOAN?

Supply Chain Finance is not a loan. It’s a solution that typically utilises invoice finance and trade finance to fund both parties in a B2B transaction.

Unlike a traditional business loan or line of credit, Supply Chain Finance is an off-balance sheet form of funding. It can be a good solution for businesses that want to quickly improve cash flow without impacting their credit score or taking on long-term debt.

IS SUPPLY CHAIN FINANCE THE SAME AS FACTORING?

No. There are some similarities, but Supply Chain Finance is a broader funding solution that includes a range of working capital solutions, and there are differences in how the two business finance solutions work.

SUPPLY CHAIN FINANCE VS. INVOICE FACTORING

Invoice factoring is a solution that allows businesses to raise capital and improve cash flow by “selling” their unpaid invoices to the factoring company. The accounts receivables are used as collateral to secure a fast cash injection.

Rather than the supplier using their unpaid invoices as collateral, Supply Chain Finance can be used by the buyer and supplier. It can facilitate early payment for the supplier and allow for extended payment terms for the buyer. This facility can be achieved through a combination of trade finance and invoice finance solutions.

HOW MUCH DOES SUPPLY CHAIN FINANCE COST?

The cost of Supply Chain Finance depends on several factors, including the length of the funding facility, the amount of finance required, and whether the solution involves trade finance, invoice finance, or a combination of both solutions.

Speak to one of our business finance advisors today for more information and to receive a tailored Supply Chain Finance quot

WHAT DO I NEED TO APPLY?

Talk to one of our friendly Supply Chain Finance specialists to find the best solution for your business and what you need to apply.

Not sure if Supply Chain Finance is right
for you? We offer other finance solutions

Learn more

Easy to apply

Call us today to discuss how Supply Chain Finance can help.

1

Give us a call

Talk to one of our friendly
Supply Chain Finance specialists
about tailoring a solution for
your business

2

Proposal

We’ll present you with the
solutions to choose from,
based on what you’ve told
us you need

3

Documentation & Settlement

We’ll work with you to
dot all the i’s and
cross the t’s to finalise
your solution

Get approval within 24 hours

Get started today

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