Business Finance

We understand the needs and difficulties faced by businesses big and small, and how having access to funding is vital for maintaining cash flow and fueling long-term growth. What do you need finance for?
Buy
equipment
Pay wages
Buy
stock
Fund
expansion
Improve
cash flow
Pay debt
Refinance
Import
goods
Enquire Now

Our Solutions

Know what you're looking for?

Scottish Pacific offers a wide range of business and commercial finance solutions that help you get the funding you need
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Invoice Finance

Our Invoice Finance solution allows you to access the cash in your unpaid invoices Learn more
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Trade Finance

Trade Finance provides a cash flow injection to help manage the import or export of goods Learn more
The positive impact was immediate. Without them we would have to use over half our sales revenue just to pay the monthly excise duty, which would make it impossible to manage cash flow effectively.
PHILIP RIDYARD – DIRECTOR, STRAIT BRANDS
The positive impact was immediate. Without them we would have to use over half our sales revenue just to pay the monthly excise duty, which would make it impossible to manage cash flow effectively.
PHILIP RIDYARD – DIRECTOR, STRAIT BRANDS

Why Scottish Pacific?

We've been around for over 30 years, lending exclusively to SMEs. We uncover the hidden value in your business assets and make them work for you.
Real Relationships Partner with us for the long term, with a local relationship team and direct access to decision makers.
Unlocking Growth We’re growth enablers, unlocking the potential in your business. Our customers grow at more than 3x GDP.
Flexible Finance We find a way to say “yes”. We’re with you through the good times and bad, always adapting your business needs.
Unlocking Growth We’re growth enablers, unlocking the potential in your business. Our customers grow at more than 3x GDP.
Flexible Finance We find a way to say “yes”. We’re with you through the good times and bad, always adapting your business needs.
Real Relationships Partner with us for the long term, with a local relationship team and direct access to decision makers.

Need help choosing business finance?

Not sure what type of business finance you need? Explore how we can help below.

Start up

Got a growing pipeline, but can’t get the banks on board? We can provide working capital to help you grow.

Growth

Are cashflow gaps preventing you from taking on new opportunities? We can turn your unpaid invoices into funding.

Turnaround

Need a cash injection for your business but feel you’ve exhausted all avenues? We can offer new funding paths to get you back on track.

Get in touch

At ScotPac, we can help all business types access the cash flow needed for success. Find out more here.

Wholesale Trade

Long payment terms and high overheads causing cash flow challenges? We can help, find out more here.

Manufacturing

Unpaid invoices slowing down your business production times? We can provide a quicker source of cash flow.

Recruitment

Cash flow issues affecting the ability to grow your book? We can provide a more predictable source of working capital.

Transport

Need more cash to keep your business moving? We can help unlock the value in your unpaid invoices.
Other industries

Small Business

Slow paying clients holding up your plans? We can help you with quick access to cash so you can keep moving.

Medium Business

Need a cash boost for new projects? We can help provide you with additional cash flow.

Large Business

Unexpected expenses affecting your company growth? We can help provide working capital to drive your ambitions.

Get in touch

At ScotPac, we can help businesses of all sizes to access the cash flow needed for success. Find out more here.

Invoice Finance

Cashflow gaps affecting your ability to grow? We can turn your customer invoices into a source of funding.

Selective Invoice Finance

Access of up to 95% of the value of invoices within 24 hours so you can make faster decisions and move quickly on business opportunities.

Trade Finance

Need more purchasing power in your business? We can provide fast funding so you can keep growing.

Get in touch

At ScotPac, we can help all business types access the cash flow needed for success. Find out more here.

Tailored finance to fit
your business

Start up

Got a growing pipeline, but can’t get the banks on board? We can provide working capital to help you grow.

Growth

Are cashflow gaps preventing you from taking on new opportunities? We can turn your unpaid invoices into funding.

Turnaround

Need a cash injection for your business but feel you’ve exhausted all avenues? We can offer new funding paths to get you back on track.

Get in touch

At ScotPac, we can help all business types access the cash flow needed for success. Find out more here.

Wholesale Trade

Long payment terms and high overheads causing cash flow challenges? We can help, find out more here.

Manufacturing

Unpaid invoices slowing down your business production times? We can provide a quicker source of cash flow.

Recruitment

Cash flow issues affecting the ability to grow your book? We can provide a more predictable source of working capital.

Transport

Need more cash to keep your business moving? We can help unlock the value in your unpaid invoices.
Other industries

Small Business

Slow paying clients holding up your plans? We can help you with quick access to cash so you can keep moving.

Medium Business

Need a cash boost for new projects? We can help provide you with additional cash flow.

Large Business

Unexpected expenses affecting your company growth? We can help provide working capital to drive your ambitions.

Get in touch

At ScotPac, we can help businesses of all sizes to access the cash flow needed for success. Find out more here.

Invoice Finance

Cashflow gaps affecting your ability to grow? We can turn your customer invoices into a source of funding.

Selective Invoice Finance

Access of up to 95% of the value of invoices within 24 hours so you can make faster decisions and move quickly on business opportunities.

Trade Finance

Need more purchasing power in your business? We can provide fast funding so you can keep growing.

Get in touch

At ScotPac, we can help all business types access the cash flow needed for success. Find out more here.

Call us to discuss how we can
finance your business 0800 72 68 72