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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

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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  494 Hits
494 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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  1104 Hits
1104 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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  779 Hits
779 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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  616 Hits
616 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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  746 Hits
746 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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  1935 Hits
1935 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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  972 Hits
972 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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  1187 Hits
1187 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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  1350 Hits
1350 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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  2117 Hits
2117 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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  2021 Hits
2021 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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  2103 Hits
2103 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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  3890 Hits
3890 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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  3472 Hits
3472 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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  2674 Hits
2674 Hits

Once a debtor finance sceptic; now a convert.

Once a debtor finance sceptic; now a convert.
When I moved to Australia from the UK in 2008 I brought along a less than stellar opinion of debtor finance. I guess I had considered the whole debtor finance, invoice finance, factoring scenario expensive and a last resort for clients It was in Brisbane that I met a Scottish Pacific business develo...
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  6616 Hits
6616 Hits

Cash Injections for Growing Pains

Cash Injections for Growing Pains
Cash is King. There are many reasons why businesses succeed, but a major contributor which is often overlooked in the chase for more sales is maintaining a strong cash flow. Every successful business has its own unique features, but effective cash flow management is a common thread. Many profitable ...
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  6867 Hits
6867 Hits

Debtor Finance - The Best Option?

Debtor Finance - The Best Option?
Maintaining positive cash flow can be a perennial challenge for SMEs. Customers taking longer to pay and access to funding via traditional bank overdrafts, constrained by weakening property values, can restrict the availability of working capital. Here are five situations where debtor finance could ...
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  7115 Hits
7115 Hits

Staying on top of Cashflow Issues

Staying on top of Cashflow Issues
It is not uncommon for Scottish Pacific to have an influx of enquiries from SMEs in the post Christmas period. It is a time of the year when the cash in any business can be tight. There may have been a 2 week shutdown over the festive period during which invoices would not have been raised, which, i...
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  7220 Hits
7220 Hits

Business Finance - Are you seeing the full picture ?

Business Finance - Are you seeing the full picture ?
“ I would consider de btor finance if it wasn’t so expensive. My business can’t afford it.” This is a view often expressed by business owners and decision makers who don't properly understand this type of finance and they are often taken aback by the response “Are you sure your business can afford n...
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  7370 Hits
7370 Hits

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