Invoice Finance with ScotPac.

Put tomorrow’s payments into your
business, today

Unlock the value in your invoices

Line of credit with no need for property security

Facilities from $10K to $100M

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What is Invoice Finance?

Are cashflow gaps impacting your day-to-day operations or preventing you from taking on new opportunities?

ScotPac Invoice Finance (also known as Invoice Factoring or Debtor Finance) helps you turn your unpaid or outstanding customer invoices into a source of readily available funding to, increase cash flow, cover new opportunities or costs such as wages and stock. With Invoice Finance you can access a line of credit with no need for property security, with facility limits ranging from $10K to $100M to support every business size.

Our facility limits grow in-line with your business, so you don’t have to spend valuable time re-negotiating limit increases. Our local decision makers and dedicated relationship managers work with you to understand your unique position and support you as your business needs change.

Choose between a confidential funding arrangement or take advantage of an end-to-end accounts receivables and collection service that means less time spent chasing up payments and more time securing new opportunities

Enjoy the certainty of a fixed term facility or the convenience of a flexible contract with no minimum term.

Fast funding

Funds available in as
little as 24 hours

Tailored to you

A range of funding solutions
available to suit your business

Flexible

Choice of fixed or no
minimum term contract
I’d definitely recommend Invoice Finance to other small businesses. For Cole Clark, it has been very handy. Working with Scottish Pacific is very seamless. They get to know us, and our business, well.
Miles Jackson - Co-founder, Cole Clark Guitars
I’d definitely recommend Invoice Finance to other small businesses. For Cole Clark, it has been very handy. Working with Scottish Pacific is very seamless. They get to know us, and our business, well.
Miles Jackson - Co-founder, Cole Clark Guitars

Why Scottish Pacific?

We believe in relationships, not transactions, and make it our business to know yours. With over 30 years' experience, you can count on us to see the true value of your business.
Trusted Lending more than $1b to SMEs, we’re Australia and New Zealand’s largest non-bank lender, with the awards to match.
Unlocking Growth We’re growth enablers, unlocking the potential in your business. Our customers grow at more than 3 times the average business.
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 3 times the average business.
Flexible Finance We find a way to say “yes”. We’re with you through the good times and bad, always adapting your business needs.
Trusted Lending more than $1b to SMEs, we’re Australia and New Zealand’s largest non-bank lender, with the awards to match.

Who does
it suit?

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Our range of Invoice Finance solutions are suitable for businesses selling to other businesses on standard trade credit terms. Useful for small to medium businesses with large debtors who are slow to pay, causing a gap in cash flow or businesses with seasonal cash flow cycles . We also provide funding for Enterprise businesses who are affected by late payments or long payment terms, such as 90 days or more.

Some key industries we support:

Recruitment & staffing
Wholesale trade
Manufacturing
Transport & storage

For more information about how we can help your business, fill out an enquiry form or call us today.


HOW DOES IT WORK?

The process is simple for Invoice financing or factoring. You invoice your customer directly, and upload the invoice to us at the same time. Within 24 hours we will pay up to 95% of the value of approved invoices, less our fees. The remaining amount becomes available to you when the invoice is paid in full.

HOW LONG WILL APPROVAL AND FUNDING TAKE?

Depending on the best funding solution for your business, approval can take as little as 24 hours from providing required information. Once approved, the funds can be in your account in as little as a few hours.

IS THERE LENDING CRITERIA?

Our qualification criteria is based on 2 mandatory requirements.

  1. Your business needs to have invoices issued for delivered goods or completed services that you require the finance on.
  2. Your Business needs to sell products or services to other businesses on standard trade credit terms.

DO I NEED TO PROVIDE SECURITY?

With Invoice Finance your sales invoices act as security for the facility, not the family home. You can rest easy knowing your personal assets are kept out of the picture.

WILL THE INVOICE FINANCE ARRANGEMENT AFFECT ANY EXISTING FINANCIAL ARRANGEMENTS?

As we don’t require real estate security our funding solution can sit alongside your existing banking arrangements. What’s more, you may find you have little need for your overdraft or other funding as you can access all the funding you need from within your business.

Not sure if Invoice Finance is right
for you? We offer other finance solutions

Learn more

Easy to apply

Call us today to discuss how Invoice Finance can help.

1

Give us a call

Talk to one of our friendly
Invoice Finance specialists
about tailoring a solution for
your business

2

Proposal

We’ll present you with the
solutions to choose from,
based on what you’ve told
us you need

3

Documentation & Settlement

We’ll work with you to
dot all the i’s and
cross the t’s to finalise
your solution

Get approval within 24 hours

Enquire Now

Call us to discuss how we can
finance your business 1300 850 322