ScotPac: invoice finance, trade finance and business loans for B2B firms

A finished job and an issued invoice still leave many firms a month or two away from the money, while wages, rent and suppliers all want money this week. For a lot of business-to-business firms that gap, not profit, is the real constraint on growth. ScotPac has built most of its business around closing it.

ScotPac, short for Scottish Pacific, has been lending to Australian businesses since 1988 and is based in Sydney. It’s a non-bank specialist in working capital, best known for invoice and trade finance, and it also offers business loans. Its website restricts automated access, so this profile draws on ScotPac’s own pages as shown through search results and published material, cross-checked with independent coverage, as at October 2026. Where its own pages differ, we’ve said so. Confirm current terms with ScotPac before relying on them.

What does ScotPac offer?

According to its website, ScotPac’s core range for Australian businesses looks like this:

Product	How it works	Published detail
Invoice finance	An ongoing facility over your sales ledger; cash is released as you invoice	Up to 85% of approved invoices advanced, balance less fees paid when customers pay
Selective invoice finance	Fund one invoice or a handful, rather than the whole ledger	Secured by the chosen invoices; no family home security required
Trade finance	Pays local or overseas suppliers for stock and materials before customers pay you	Can cover payments in foreign currencies
Business loans	A lump sum for general business purposes	$10k to $500k

If the vocabulary is unfamiliar, start with our explainers on invoice finance, debtor finance and trade finance.

Who qualifies, according to ScotPac?

ScotPac’s eligibility guidance centres on the quality of your customers rather than the size of your balance sheet. Its key tests:

• You sell business to business on normal trade credit terms.
• Your customers are creditworthy Australian businesses. ScotPac says its main question is whether your customers can pay their invoices.
• Your invoices are issued from an Australian business, with a meaningful monthly volume.
• You bill for work that’s delivered. Businesses that invoice in stages, in advance, or to consumers may not qualify.

Its published materials aren’t consistent on minimum trading history, so ask about that early if your business is young.

A worked example: what invoice finance does to cash flow

Here’s an illustrative example, not a quote. A labour-hire firm invoices $120k a month to three large clients on 45-day terms. Without finance, roughly $180k is tied up in unpaid invoices at any time.

With an invoice finance facility advancing 85%, the firm could draw around $102k against one month’s $120k of invoices soon after issuing them. When the clients pay, the remaining $18k, less the facility’s fees, comes back to the business. The cost is the total of those fees and charges over the period, measured in dollars, which you should weigh against what the cash lets you do: pay staff on time, take a bigger contract, or claim a supplier’s early-payment discount.

Our invoice finance calculator lets you model your own ledger, while our cash flow gap calculator measures how long your money is tied up between paying costs and getting paid.

If your debtor days keep stretching and you’d like a second opinion on the right facility, send us a quick outline.

Who does ScotPac suit, and who might struggle?

Good fits

• Wholesalers, manufacturers, transport firms, labour hire, and professional and business services with reliable corporate clients.
• Fast-growing B2B businesses whose receivables grow faster than their bank limit.
• Importers who need to pay suppliers before goods are sold.

Harder fits

• Retail, hospitality and other consumer-facing businesses with no invoices to finance.
• Construction businesses that bill on progress claims, which ScotPac flags as a possible issue.
• Businesses with one dominant customer, where concentration can limit what’s funded.

Questions to ask before signing an invoice finance facility

1. Is it whole-of-ledger or selective? Ongoing facilities and one-off funding are priced and run differently.
2. What does it cost in dollars per month at my expected volume? Ask for every fee, including service and minimum-usage fees.
3. Is there a minimum term, and what does it cost to exit?
4. Who collects from my customers, and will they know? Confidential and disclosed arrangements differ.
5. What security and guarantees are required? Expect a registration on the PPSR over receivables.

If ScotPac isn’t the answer

• You sell to consumers or bill in advance: with no eligible invoices, look at a revolving business line of credit or a lump-sum unsecured business loan.
• You need more than invoices will support: property-secured options such as a second mortgage business loan can release larger sums.
• A big new contract needs funding up front: read won a big contract and need to fund it.

Other invoice finance specialists in this directory include Earlypay, Octet and Bibby Financial Services. For a direct comparison, see ScotPac vs Earlypay.

Waiting on customers to pay? Let’s look at your options together

Invoice finance can be a brilliant fit, or the wrong tool if your customers, billing pattern or timeline don’t match. Getting your actual ledger figures in front of someone who reads receivables daily answers that faster than any brochure.

Filling in our form is roughly a minute’s effort, and your credit file stays untouched while you ask. We won’t scatter your details to a roll call of financiers; they remain with us, and a member of our team reviews it and phones you. Please describe your customers, invoice volumes and the amount you need accurately, so we can steer you to the most suitable facility on the first try.

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