Tailor made
working capital solutions

Big enough to trust, small enough to care, we understand the needs and difficulties faced by businesses, and how having access to funding is vital for maintaining cash flow and fueling long-term growth.
Learn More

Tailor made
working capital solutions

Big enough to trust, small enough to care, we understand the needs and difficulties faced by businesses, and how having access to funding is vital for maintaining cash flow and fueling long-term growth.
Learn More

Tailored finance to fit all your business needs

We provide award winning finance solutions and a range of cash flow options to help your business succeed. Explore how we can help below.

  • 8000+ businesses supported currently

  • $27.3B invoices Funded annually

  • Over 35 years of experience

What our customers are saying

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

Manufacturing

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

Transport

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

Sebastian Hyde

Recruitment

ScotPac make the effort to understand us and really partner with us. Its a lot more flexible than dealing with banks.

Debra Carthew

Commercial Maintenance

For us, the real advantage of invoice finance is that we can offer longer payment terms to customers thanks to ScotPac.

Philip Ridyard

Wholesale

Invoice Finance

Invoice Finance

Our Invoice Finance solution allows you to access the cash in your unpaid invoices

  • LINE OF CREDIT WITH NO NEED FOR PROPERTY SECURITY
  • UNLOCK THE VALUE IN YOUR INVOICES
  • FACILITIES FROM $10K TO $150M
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Trade Finance

Trade Finance

Trade finance provides a cash flow injection to help manage the import or export of goods

  • PAY OVERSEAS AND DOMESTIC SUPPLIERS
  • INCREASE STOCK LEVELS AND EXTEND PAYMENT TERMS
  • SELL TO OVERSEAS CUSTOMERS
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Why ScotPac?

We believe in relationships, not transactions, and make it our business to know yours. With over 30 years’ experience, you can count on us to see the true value of your business.

Trusted Lending more than $1b to SMEs, we’re Australia and New Zealand’s largest non-bank lender, with the awards to match.
Unlocking Growth We’re growth enablers, unlocking the potential in your business. Our customers grow at more than 3 times the average business.
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

Transport
Recruitment
Manufacturing
Wholesale
And many more
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