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SP 30yr AUS

Update: The Australian and New Zealand operations of Bibby Financial Services were acquired by Scottish Pacific Business Finance in late 2015 to create Australia’s largest non-bank invoice finance specialist. Welcome to our website.

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Recent Scottish Pacific Business Finance posts

SME owners make it clear what they want from new Federal Government

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Whether the new Australian Federal Government is Labor or Liberal, small business owners are very clear about what actions they want the new government to take to provide the right environment for them to flourish. Scottish Pacific’s latest SME Growth Index research asked more than 1200 small busine...
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  77 Hits
77 Hits

SME Finance Solutions That Don’t Involve Property Security

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Scottish Pacific’s March 2019 SME Growth Index unearthed many interesting findings. One of the main themes involves property security and its negative impact on business funding. In this post, we’ll examine the overarching sentiment toward property security and offer solutions for companies who don’...
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  81 Hits
81 Hits

9 signs that your SME clients need business funding

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Businesses that are expanding: growing pains can place massive pressure on business cash flow Freeing up the family home: business requires more funds than available equity Slow paying debtors: clients can sometimes take advantage of a good working relationship and draw out payments Turning away new...
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  1069 Hits
1069 Hits

For small business owners, a lot is riding on the Royal Commission outcomes (2/2)

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Below is the second instalment of a two-part series into the potential impacts to the SME lending landscape following the Royal Commission's report. Gaining trust for SME lenders It’s crucial that Australian consumers, and the small business sector, have faith in their financial institutions. Beyond...
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  453 Hits
453 Hits

For small business owners, a lot is riding on the Royal Commission outcomes (1/2)

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As we await the release of findings of the Hayne Royal Commission into the banking and financial services sector, I’d like to share some thoughts on the likely impact on SMEs and the small business lending market. The impact will be far and wide. A nervous market needs to be comfortable that Austral...
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  341 Hits
341 Hits

What Type of Debtor Finance is Right for My Business?

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Debtor finance is no longer seen by businesses merely as a simple stopgap measure for quickly getting on top of unplanned cash flow demands. Increasingly, it’s being acknowledged as an effective means to sustainably foster business growth while minimising the effects of market volatility. It’s also ...
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  3528 Hits
3528 Hits

How to Choose the Right Business Finance Provider for Your Company

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Interested in looking at finance options for your company but don’t know where to begin? Choosing the right business finance provider for your company is not a straightforward process. Different providers offer different kinds of finance, each with their own unique advantages and disadvantages. But ...
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  4476 Hits
4476 Hits

How trade finance works: A basic guide for import/export businesses

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In our interconnected world where instantaneous global communication is taken for granted, it’s easier than ever to do business anywhere in the world. However, while the opportunities are plentiful, the process of buying and selling internationally is not without its risks and complications. There a...
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  4274 Hits
4274 Hits

Why business owners are true SME champions

Why business owners are true SME champions
Business owners are the unsung heroes of the national economy. We see this every day in the hard-working, entrepreneurial folk who come to us for business funding. Whether our SME clients have two employees or 200, they are out there working hard to build better futures for themselves, their familie...
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  1017 Hits
1017 Hits

SMEs and the New Payments Platform (NPP)

SMEs and the New Payments Platform (NPP)
The first phase of the New Payments Platform (NPP), Australia’s advanced payment system, has been in action for a few months and many SMEs are still getting the hang of how it might impact them. Here’s a handy overview of what the NPP entails, and what is planned. The NPP is a billion-dollar collabo...
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  1262 Hits
1262 Hits

PM for a Day

PM for a Day
From the outside it looks like a frustrating career choice: who would truly want the pressure and the hassle of being the country’s Prime Minister? But if you had the job for just 24 hours and could actually achieve something, free of the headaches caused by the Senate or by pesky backbenchers, well...
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  2370 Hits
2370 Hits

Online Sales Hit High, But Some Businesses Still Lag

Online Sales Hit High, But Some Businesses Still Lag
Australian businesses are pulling in record amounts through internet sales, with income obtained from online orders in 2015-16 totalling $321 billion, up nearly 50% from $286 billion in 2014-15. The figures are exploding as more and more business across a variety of industries establish online order...
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  1271 Hits
1271 Hits

The Impact of Changing Franking Credits

The Impact of Changing Franking Credits
The widely welcomed cut to the small business tax rate has come with a sting in its tail. The changes will put pressure on business owners to pay out retained earnings sooner than they might have otherwise planned, to give shareholders the benefit of existing franking credits before they lose some o...
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  1527 Hits
1527 Hits

Federal Budget 2017: What Is Likely To Have The Biggest Impact On SME Sector?

Federal Budget 2017: What Is Likely To Have The Biggest Impact On SME Sector?
Federal Budget 2017 has been well dissected since it was announced on Tuesday night, but the item most likely to have long-term impact on the SME sector has been mostly overlooked in the post-budget analysis. While the instant capital expense deduction gained most media attention, it is the boost to...
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  1650 Hits
1650 Hits

Accountants Have The Biggest Positive Impact Of All Advisers on SME Revenues

Accountants Have The Biggest Positive Impact Of All Advisers on SME Revenues
There’s work to do for accountants if they are to become the go to trusted advisers to their clients – but according to the latest Scottish Pacific SME Growth Index those business owners who do rely on accountants reap the benefits. Most accountants would hope and even expect to be seen as trusted a...
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  2468 Hits
2468 Hits

With Bad Debts Rising, SMEs Advised To Protect Their Business

With Bad Debts Rising, SMEs Advised To Protect Their Business
Bad debt levels appear to be on the rise, leading many SME’s to investigate ways to protect themselves from the devastating flow-on effect of such write-offs. Insolvencies add to the bad debt pool in a significant way - there are about 11,000 insolvencies each year in our region, including recent hi...
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  2466 Hits
2466 Hits

Looking Beyond Home Ownership To Fund Business Growth

Looking Beyond Home Ownership To Fund Business Growth
The phrase “Death Valley Curve”, where new or rapidly growing businesses often struggle to secure enough working capital to sustain their growth, will be familiar to accountants. A business may win major clients or orders, but having to wait up to 60 days to get paid puts enormous strain on cashflow...
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  2352 Hits
2352 Hits

Scottish Pacific Group Lists On The ASX

Scottish Pacific Group Lists On The ASX
Scottish Pacific Group (ASX:SCO) is delighted to announce it has officially been listed on the ASX as of Wednesday last week. The Group, comprising Scottish Pacific Business Finance, Factor ONE Invoice Finance and Tradeline, supports more than 1600 clients across Australia, New Zealand and the UK, a...
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  4228 Hits
4228 Hits

5 Tips to Put the Flow into your Businesses Cash Flow

5 Tips to Put the Flow into your Businesses Cash Flow
As in nature where the sun is vital for life and growth, so cash flow is essential to the life and growth of your business. It is the oil that lubricates the cogs of industry. In a recent survey conducted for Small Business Week to identify major areas of stress for small business owners, it conclud...
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  3813 Hits
3813 Hits

Budget 2016: SMEs the deserved winners in Federal Government budget

Budget 2016: SMEs the deserved winners in Federal Government budget
Small to medium business are the deserved winners in 2016 Budget Scottish Pacific’s Head of Debtor finance Greg Charlwood gives his thoughts on this week’s Federal Budget. Small to medium businesses are deservedly the big winners of this week’s Federal Budget and we believe SMEs can and will deliver...
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  2957 Hits
2957 Hits

AWARD WINNING SOLUTIONS

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         Industry Cash flow  Lender
      Award Winners 5 years in a row

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