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Start your business with a custom finance solution

ScotPac offers fast and simple funding solutions to help you start your own business and fund your start-up

Tailored solutions to ensure you receive the business finance package that’s right for you.

Industry-leading working capital solutions for new business.

Flexible business funding terms and options available.

Start the business you’ve always wanted

Whether you’re looking to start your own new business or need finance to acquire an already existing business, Scotpac can help. We specialise in providing fast funding to help you and your business grow the way you want. 

There are many options available when you partner with ScotPac for your business finance. We can refinance your other business loans and use property and assets as security to ensure competitive pricing for you. Benefit from customised business funding solutions by choosing our business lending experts.

With over 35 years of experience across our team, there’s no better partner for helping you unlock the potential of your start-up company an achieve your financial goals.

Find out more by giving us a call today.

Our Solutions

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.

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.

We help a range of different industries reach their full potential

What are our customers saying about us?

ScotPac have assisted a number of our clients in time critical situations and are highly experienced cash flow lenders.

Sebastian Hyde


We think of ScotPac more than just a Financial Services provider, they care enough to know our business and as such we are more like partners

Cheryl Armour


It’s growth funding that gets us the best from our working capital, which covers materials, wages and other costs while we wait to be paid for our goods.

Miles Jackson


Frequently Asked Questions


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.


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.


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.


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.