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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.

  • Building Success Through Holistic Funding Solutions
    Why Specialised Finance? This business is a well-established family run concreting business which has grown into various areas of concrete pumping. Since our client were able to leverage off their existing rel...
  • Clear as Glass Funding
    Why Progress Claim Finance? Our client specialises in the fabrication and installation of glass, aluminium frames and glazing for commercial and residential applications. A new opportunity arose with a major d...
  • Pet Friendly Solution
    Why Debtor Finance? Our client manufactures, imports and distributes a range of pet products to small pet stores and vet clinics throughout Australia. Their business has grown steadily to a point where they ar...
  • Weaves To The Right Funds
    Why Debtor Finance? Our client is a family-owned business of 25 years, employing 67 staff in Newcastle and Sydney. They manufacture outdoor and industrial fabrics that are made to standards suitable to a wide ...
  • Steel Strength Funding
    Why Disclosed Invoice Discounting? Our client is a major importer, exporter, manufacturer and distributor of a diverse range of steel products including structural steel, merchant bar, pipes & tubes and many m...
  • Standalone Facility To Success
    Why Confidential Invoice Discounting? Our client is a major leading health food supplier based in South Australia and distributing to major independent grocers and retailers. Having been operating their busine...
  • Switching For The Better
    Why Debtor Finance? Operating in the dangerous goods and transport industry, our client was an existing user of our FactorONE facility. Due to the substantial growth and improvement in their financial position...
  • Computing A Right Solution
    Why Selective Invoice Finance? Operating in the IT services sector, our client provides services in the areas of hardware, software and surveillance technology. A recent large project they have taken on board ...
  • Music To Our Clients Ears
    Why Debtor Finance? Our client is an importer and distributor of music and wellness brands. They have been using an overdraft facility provided by their banks to help fund the business. However, our client no ...
  • Dumping The Bank For A Customised Facility
    Why Debtor Finance? This client is a designer and manufacturer of customised dump truck bodies, buckets and ancillary products used in the mining industry. Their main source of funding was through a syndicate ...
  • Works a Wonder
    Why Selective Invoice Finance? This specialist provider of site inspection and testing services and labour hire to the construction and mining services sectors in NSW was projecting $1m turnover for the financ...
  • A Reason to Smile
    Why Debtor Finance? Being one of only a few Australian distributors supplying premium and innovative products to local orthodontists, this client faced challenges of managing working capital to meet demand. Th...
  • Financial Safety
    Why Debtor Finance? This established business was familiar with debtor finance having had a facility with a bank. Over time the relationship changed and the directors felt it was time to seek a new provider. T...
  • A Fresher Finance Product
    Why Debtor Finance? This wholesaler of fresh produce was self-funding their working capital by using property security to secure an overdraft. Key creditors required payment on a fortnightly basis, so when the...
  • Printing Its Own Capital
    Why Debtor Finance? Directors of a printing business were presented with the opportunity to purchase the assets of another printing business interstate. Seeking to establish a separate, brand new company with ...
  • New and Improved Funding
    Why Debtor Finance? Debtor finance offered this supplier of home improvement products accelerated access to working capital, making cash available to cover the variable expenses stemming from fluctuating sales...
  • Stepping Up
    Why Selective Invoice Finance? This concrete finish and step polisher had been affected by long periods of rain which meant cash flow came to a halt for a 7-week period. The business' overheads, however, still...
  • One Stop Business Finance
    Why Scottish Pacific Business Finance? This importer & wholesaler of trade attachments required working capital funding for both its accounts receivables and its recurring orders of stock from overseas supplie...
  • Secure from Startup
    Why Debtor Finance? This New Zealand start-up venture aimed to take on the lucrative promotional product market. The immediate challenge was that with no real estate available, the unsecured overdraft that was...
  • Uncapped Potential
    Why Debtor Finance? This commercial food equipment supplier had been using a bank overdraft to meet its working capital requirements. As the business grew, the facility limit began to bite and the bank was rel...
  • Access Granted
    Why Debtor Finance? This access equipment specialist was using debtor finance on the premise that it would even out the peaks and troughs in cashflow caused by irregular sales and slow paying customers. Fundin...
  • Custom Built
    Why Debtor Finance? This supplier of plasterboard and building products was already a fan, and an existing user of, debtor finance. It suited the business' fluctuating sales cycles and its expansion plans by d...
  • Engineered to Grow
    Why Debtor Finance? With a focus on specialised maintenance and engineering supplies, this business had cornered a niche market, supplying goods and services to a limited set of customers. A strong influx of n...
  • Fresh Finance
    Why Debtor Finance? This supplier of re-usable surgical textiles is enjoying significant growth due to widespread take-up by hospitals across Australia. The innovative product enables hospitals to reduce the c...
  • A Freight Forward Solution
    Why Debtor Finance? This provider of specialist freight services has utilised debtor finance for over 14 years. The appeal of this alternative to a typical bank overdraft lies predominantly in its flexibility –...
  • Catering to the Globe
    Why Export Finance? After winning a slew of new contracts with hotels and airlines in Australia and overseas this supplier of catering equipment required additional working capital to keep up with their sales ...
  • Business Branches Out
    Why Debtor Finance? This supplier of bamboo flooring was experiencing a steady influx of new customers as the company’s product grew in popularity with retailers. The rapid growth necessitated an increase in ...
  • Day One Dollars
    Why Debtor Finance? A former Scottish Pacific labour hire client underwent a change in ownership that necessitated a move away from their bank facility at that time. The new owners recognised that debtor finan...
  • Dollars & Scents
    Why Debtor Finance? This cosmetics company manufactures skin care products under contract. This arrangement can be lucrative, however generating new business is a constant concern. So too is the capacity to t...
  • Human Capital
    Why Debtor Finance? This labour hire company encountered a difficult trading period which had a negative impact on profitability. The directors injected capital to steady the ship in the short term, but a long...
  • Good Drills
    Why Supply Chain Finance? This distributor of military, safety and outdoor adventure products had recently decided to utilise debtor finance as a way to better manage cash flow. Expected growth was likely to i...
  • No Fabrications Here
    Why Debtor Finance? This fabrication and fleet maintenance business was purchased after six years of trading. After finding the funds to complete the acquisition the new owners required an injection of working...
  • There and Outback Again
    Why Debtor Finance? This transport company, located in the Northern Territory, was experiencing significant growth on the back of a niche opportunity that had arisen locally. However, with fuel and wages to pa...
  • A Fine Facility
    Why Debtor Finance? This fine foods wholesaler had outgrown existing bank facilities, which could not be increased as there was no additional real estate security on offer. This resulted in a shortfall in work...
  • From the Ground Up
    Why Debtor Finance? The acquisition of a number of complementary businesses and properties had positioned this mineral engineering consultancy for significant growth. The overdraft facilities in place with the...
  • Building the Future
    Why Trade Finance? This distributor of speciality building board experienced a rapid growth in trade due to an increased reliance on the product within the construction industry. Finding the working capital to...
  • Maintaining the Market Share
    Why Debtor Finance? This labour hire and training provider has grown rapidly over the past 3 years. Debtor finance was considered the most appropriate vehicle to fund ongoing growth, without the requirement fo...
  • A Crystal Clear Decision
    Why Debtor Finance? This glass supplier and installation specialist was seeking a cashflow solution to keep up with creditor payments and fund new business opportunities. A number of associates recommended deb...
  • From Static to Strength
    Why Debtor Finance? This telecommunications maintenance business was growing steadily, with large orders from several key players in the industry. The business was funded by a combination of business loans and...
  • Howzat!
    Why Supply Chain Finance? This sporting goods wholesaler has developed a major profile in over recent years, but continued planned growth was being threatened by funding restrictions, due to static real estate...
  • The Smell of Success
    Why Import Finance? The volume of trade increased exponentially for this perfume wholesaler; significant and sudden growth required a capital injection to ensure the business had sufficient working capital. L...
  • A Wholesome Deal
    Why Debtor Finance? This organic, whole foods grocer sources goods from overseas suppliers. Whilst these suppliers offer goods on terms, much of this period is consumed by shipping and warehousing. The busines...
  • Finely Tuned Facility
    Why Debtor Finance? This wholesaler/importer of automotive batteries had previously used a bank invoice finance facility. Unfortunately, the service was discontinued and the company took up a similar working c...
  • Sitting Pretty
    Why Import Finance? This importer of contemporary furniture had previously relied on Trade Finance facilities from a bank. However, the requirement for real property security, which they were unable to provide...
  • Transport
    Why Debtor Finance? This newly established transport, warehousing & distribution operation required a funding line for the business that did not rely on traditional property security. Scottish Pacific had the ...
  • Vital Signs of Growth
    Why Debtor Finance? As a business that specialises in employee health assessments, with is assets being principally intellectual rather than physical, this client had minimal banking facilities available to su...
  • Timber Sawmill
    Why Debtor Finance? This Sawmill business cuts hardwood timber into standard building lengths and sells both ‘green’ timber for furniture making and kiln dried structural timber. The business has a long lead t...
  • Two Way Radio
    Why Debtor Finance? Our client purchased an existing business with over 35 years successful trading in the sales, service & maintenance of commercial two-way radios. The Directors’ property assets were used as...
  • Payroll Services
    Why Debtor Finance? The business was financing its own contract payroll business from retained earnings when the opportunity arose to acquire the contract payroll portfolio of another major recruitment company...
  • Labour Hire to the Construction Sector
    Why Debtor Finance? A relatively new, but rapidly growing labour hire business, with directors keen to keep their personal real estate assets out of the security mix, had outgrown the use of a single invoice f...
  • Riding High
    Why Trade Finance? This importer of a popular American bicycle brand was looking for a funding solution to negate the cashflow pressures arising from seasonal fluctuations in the demand for their products.  Th...
  • Labour Hire
    Why Debtor Finance? This labour hire business has a number of separate entities and has used Debtor Finance for many years to fund growth and provide effective working capital.  A recent review of their existi...
  • Lighting the Way
    Why Debtor and Import Finance? Due to an increased demand from major retail chains for their products, this LED lighting and solar solutions business is anticipating rapid growth over the next 12 month period....
  • Waste Management
    Why Debtor Finance? This waste management services supplier had previously used their own funds to support the business.  They were seeking an alternative cashflow solution which would provide them with room f...
  • Hoses and Fittings Importer
    Why Import Finance? This well established importer and wholesaler of hoses and fittings has experienced steady growth over the years. More recently, the business found itself unable to provide the bank with su...
  • Paint & refinishing Supplier
    Why Trade Finance? This supplier of refinishing , abrasives and paint accessories required an immediate cashflow solution to enable them to meet local supplier payment terms.  They initially considered Debtor ...
  • Building panel manufacturer
    Why Debtor Finance? Following  a review  and restructure of the business, this manufacturer of Insulated Building products was seeking a funding solution to assist them in meeting the strong growth forecasts. ...
  • Appetite for growth
    Why Debtor Finance? Since starting the business approximately 18 months ago, this food wholesaler had established a strong customer base using funding from a traditional overdraft.  However, the continued grow...
  • Printing Business
    Why Debtor Finance? Having utilised personal finances to purchase this niche printing business, our client needed certainty of cash flow to meet the immediate liquidity demands of this established enterprise. ...
  • Fire Safety & Service
    Why Debtor Finance? This fire safety and service supplier was experiencing rapid growth and required a funding solution to underpin the increase in sales and enable them to meet ongoing costs. The flexibility ...
  • Skincare Distributor
    Why Debtor Finance? This skincare distributor was already familiar with debtor finance, having operated a bank facility for a number of years to provide the necessary cashflow to enable them to meet their ongo...
  • Meat Produce Wholesaler
    Why Debtor Finance? This meat produce supplier is a new business forecasting significant growth, with sales projected to reach $25M in year two from a standing start, hence debtor finance was the ideal choice ...
  • Equipment Finance
    Why Trade Finance? This printing company was looking to upgrade their equipment. They were able to purchase a top quality and well known brand from overseas at a reduced cost but to do this they required up- f...
  • Clothing Importer
    Why Trade Finance? This clothing importer has two shipments from overseas per annum, for their Winter and Summer season collections.  They have over 30 retailers across Australia and goods are on pre-committed...
  • Importer of ladies fashion accessories
    Why Trade Finance? This importer of ladies fashion accessories required a funding Solution to negate the delays they were experiencing between placing orders with overseas suppliers and ultimately receiving pa...
  • Mining Services
    Why Debtor Finance? Having experienced significant growth over a number of years, using their own cash flow, this labour hire and maintenance business required a funding solution to provide them with certainty...
  • HR Services & Labour Hire
    Why Debtor Finance? This labour Hire business was looking to continue its strong growth history, and required a cashflow solution which would provide them with both the ability to meet ongoing commitments, whi...
  • Building Materials
    Why Debtor Finance? This building materials wholesaler has used debtor finance for a number of years to fund growth and provide the cash flow to enable them to meet ongoing financial commitments.  Terms of tra...
  • Recruiting for Growth
    Why Debtor Finance? After negotiating their way through the GFC, this recruiting company was now in a position where the directors had the freedom to re-evaluate their funding options.  Like the majority of re...
  • The Right Medicine
    Why Debtor Finance? The requirements of this company were different to most. Other lending institutions and banks could not provide a product or facility that suited these requirements. After approaching Scott...
  • Fresh food wholesalers fresh growth
    Why Debtor Finance? This food wholesaler was looking to fund the substantial growth they have been experiencing in the last two years. After looking at different banking options, they consulted their financial...

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