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Specialist

ScotPac

Australia's largest specialist SME working capital lender. Strong invoice finance and trade finance offering.

SydneyFounded 1989ACL/Banking Licence 388538

Strengths

  • Largest specialist SME invoice finance provider
  • Strong trade finance and asset finance
  • 35+ years operating history

Watch out for

  • Pricing reflects working-capital risk profile
  • Concentration limits on single-debtor exposure

ScotPac products

Editorial reference covering the product range ScotPac offers and the structural strengths and trade-offs we observe in the market. The current headline rate and comparison rate sit on ScotPac\'s own rate card; we do not reproduce them here.

Business loans

Invoice finance
ScotPac Invoice Finance
  • Pricing per month of invoice exposure
  • Funds a high percentage of invoice value
  • Disclosed and undisclosed options
Australia's largest specialist invoice finance provider
Current rate: published on ScotPac's own rate card

Equipment finance

Chattel mortgage
ScotPac Asset Finance
  • Chattel mortgage structure
  • PPSR-secured
  • Wide asset class acceptance
Current rate: published on ScotPac's own rate card

Other specialists

Same lender category; compare side by side.

WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees, or other loan amounts might result in a different comparison rate. Comparison rates are based on a secured loan of $30,000 over 5 years for vehicle finance and $50,000 over 5 years for equipment finance, as required under the National Credit Code.

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The ScotPac rates above are publisher reference. The right product for your situation depends on income, deposit, credit profile, security and serviceability, and that comparison is what a broker does.

★★★★★4.9 across 320+ broker-partner reviewsAustralian Credit Licence 505575Independent. Education first.
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