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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

8 Ways Business Owners Can Manage Their Workload and Reduce Stress

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Running a business has many advantages and can be incredibly rewarding. However, it also comes with an inherent level of stress that can take a toll over time. In fact, 41% of entrepreneurs cited running their business as the number one stressor in their life. Fortunately, implementing some key stra...
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595 Hits

How Australian Businesses Can Prepare for Trade Disruptions During Chinese New Year

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Valued at $183 billion, China was Australia’s top two-way trading partner in 2017 and accounted for 24% of total trade . This means major events in the Chinese economy can impact Australian businesses.  One of the biggest is Chinese New Year. In this post, we’ll discuss the basics of this major...
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  759 Hits
759 Hits

6 Tips to Access Working Capital During the Busy Build Up to the Holiday Season

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The holiday season can be lucrative for SMEs. In fact, holiday sales account for around 20% of annual total sales for most businesses. And for some, it can be as high as 30%.  But in order to capitalise, SMEs need to ensure they have access to the necessary working capital in the busy period le...
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  1842 Hits
1842 Hits

Keeping Up with Growth: 8 Cash Flow Management Tips for Small & Medium Businesses

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The Australian economy is looking good, and the majority of SMEs are experiencing bigger profits in 2019. According to Scottish Pacific’s March 2019 SME Growth Index , “Growth businesses are forecasting an average 4.9% revenue rise (up from 4.5%), and only 1in 4 SMEs expect revenues to remain flat.”...
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  1366 Hits
1366 Hits

The Small Business Dilemma of Selling to Major Retailers

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Selling to big name retailers like ALDI, Woolworths, Coles and Bunnings can be a huge opportunity for small businesses. These major chains can be very profitable customers and fantastic for getting your product and brand in a more visible space.  But there’s a dilemma. With extended payment ter...
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  1922 Hits
1922 Hits

3 Lending Options That Overcome Poor Personal Credit

Can I Take Out a Business Loan with Bad Personal Credit?
Access to capital is vital to your company’s growth and sustainability. You need it for purchasing inventory, buying equipment, hiring employees and boosting marketing efforts. Unfortunately, many businesses face a shortage of capital. In fact, nearly two-thirds start with less than $70,000 AUD. If ...
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  542 Hits
542 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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  2862 Hits
2862 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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  2656 Hits
2656 Hits

AWARD WINNING SOLUTIONS

sp awards2019

         Industry Cash flow  Lender
      Award Winners 5 years in a row

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