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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

How to Ensure Adequate Cash Flow in the Face of Australia’s Minimum Wage Increase

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On 1 July 2019, the Fair Work Commission increased the national minimum wage in Australia by 3%. While this may not sound like that big of a deal, it could have a significant impact on cash flow for many SMEs.  In this post, we’ll look at the details and explain how to ensure your business has ...
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202 Hits

What Are Some Viable Financing Options for a Small Business?

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Small businesses are Australia’s economic backbone. Recent research found, more than 99% of all Australian companies are small businesses, and they contribute $380 billion AUD to the economy.  But one consistent issue these companies face is obtaining capital. Roughly a third of small businesse...
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  167 Hits
167 Hits

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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  336 Hits
336 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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  1166 Hits
1166 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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  558 Hits
558 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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  1159 Hits
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1159 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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  1477 Hits
1477 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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  2527 Hits
2527 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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  1772 Hits
1772 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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  2601 Hits
2601 Hits

AWARD WINNING SOLUTIONS

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         Industry Cash flow  Lender
      Award Winners 5 years in a row

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