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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
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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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  119 Hits
119 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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  155 Hits
155 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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  1142 Hits
1142 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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  3579 Hits
3579 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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  4552 Hits
4552 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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  4583 Hits
4583 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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  2416 Hits
2416 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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  1291 Hits
1291 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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  1561 Hits
1561 Hits

AWARD WINNING SOLUTIONS

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         Industry Cash flow  Lender
      Award Winners 5 years in a row

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