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SME Growth Index Series: Non-banks could be top growth funders by 2020

12 March

Our Scottish Pacific SME Growth Index is a twice-yearly snapshot of Australia’s small to medium sized business sectors showing cashflow issues that many businesses face today, below is one of six key insights found in our March 2019 report: For the first time in the five years and 10 rounds of the Scottish Pacific Business […]

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The Top 5 Myths About Invoice Finance, Debunked

31 October

What are the top 5 myths about Invoice Finance? Invoice Finance is a customisable form of finance that allows small and medium enterprises (SMEs) to access in advance the money owed to them from their clients and customers. This flexible finance solution can be critical for helping SMEs who struggle with cash flow due to […]

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Compare Small Business Finance Solutions

22 March

Finding a way to raise capital can be one of the most challenging and important tasks for a business owner. While traditional bank loans are often the first solution that comes to mind, strict lending criteria makes this option unavailable for many small business owners. For SMEs in operation for less than 5 years, banks […]

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Comparing Asset Finance Solutions

21 April

If you don’t have enough working capital to buy machinery and equipment outright, Asset Finance can be an effective funding solution. More and more Australian businesses are using Asset Finance to fuel their growth plans. According to the Commercial & Asset Finance Brokers Association of Australia, over $40 billion of new business equipment is financed […]

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The Top Funding Frustrations for Australian Business Owners in 2019

12 March

A steady supply of working capital is vital to the success of SMEs. Whether it’s for business expansion, investing in new equipment or any other reason, companies need funding to stay afloat. Unfortunately, obtaining funding has become increasingly difficult in recent years. Scottish Pacific’s March 2019 SME Growth Index discovered that 1 in 5 SMEs […]

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SME Growth Index Series: How Politicians Can Win the SME Vote

12 March

Our Scottish Pacific SME Growth Index is a twice-yearly snapshot of Australia’s small to medium sized business sectors showing cashflow issues that many businesses face today, below is the one of six key insights found in our March 2019 report: Over the past six years, the SME Growth Index has repeatedly highlighted that company tax […]

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Top Mistakes to Avoid When Using a Business Line of Credit

12 November

In ScotPac’s SME Growth Index from the end of 2024, we included a remarkable outcome of our research: 94% of small and medium sized enterprises in Australia required new business funding in the next six months. In our more recent SME Growth Index from April 2025, we noted that well over half of all SMEs […]

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Is a Business Line of Credit the Right Choice for Small Businesses? Our top tips!

7 November

For small and medium sized enterprises in Australia, effective cash flow management is an ongoing challenge. When seasonal fluctuations in revenue or unexpected operating expenses put pressure on your cash flow, finding the financial tool that offers flexibility and convenience in accessing much-needed working capital is critical. A business line of credit can be an […]

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The top 10 issues facing small business owners

15 January

By Zilla Effrat  With 2023 coming to a close, we report on the top 10 issues facing Australian small businesses to help you prepare for the Christmas season and beyond.  1. Rising wages Rising wages are the greatest concern of SMEs, particularly smaller businesses with revenue of less than $5 million, according to the latest […]

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International Business Payments: Our Trade Finance Solution

26 June

The modern day economy is globalised. More and more businesses are finding themselves involved in international trade in one way or another, including businesses of various sizes and across various industries.  While international trade provides a unique opportunity to expand your business’s reach, customer base and potential success, it comes with its own set of […]

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