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ScotPac Asset Based Finance (Corporate)

Corporate working capital facility of up to $50M secured against business assets such as debtors, inventory, property, and plant and equipment, for established B2B businesses.

Debtor FinanceInvoice FinanceStock & Inventory FinanceWorking Capital Finance
Source dated 23 Sept 2026
Amount
Up to $50M
Term
Not published
Rate
Rate available on application
Security
Asset-backed
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Product details

As published by ScotPac. Details not published by the lender are marked.

Loan amount
Up to $50M
Rate
Rate available on application
Security
Asset-backed
Structure
Other
Time trading
3+ years trading
Funding time
Indicative approval in 3 days; formal credit sign-off in 2 weeks
Restrictions
B2B businesses registered and operating in Australia, with assets located in Australia and creditworthy customers
How to apply
Direct with the lender, or through us
Not published by ScotPac
rate type, term, fees, repayment frequency, early repayment, turnover, documents, guarantees
Suitable purposes
Cash flowGrowth

About Asset Based Finance (Corporate)

ScotPac publishes these details for Asset Based Finance (Corporate): structure other; loan amount up to $50M; security asset-backed; time trading 3+ years trading; funding time indicative approval in 3 days; formal credit sign-off in 2 weeks; suitable purposes cash flow, Growth. Not published by ScotPac for this product: term, maximum LVR, turnover, documentation, guarantees. Ask the lender or a finance specialist to confirm these before you apply.

How it differs from other ScotPac products

  • Asset Finance: Structure is other here and chattel mortgage for Asset Finance; ScotPac publishes loan amount (up to $50M) for this product but not for Asset Finance; term is published for Asset Finance (2 yrs to 5 yrs) but not for this product; ScotPac publishes time trading (3+ years trading) for this product but not for Asset Finance.
  • Boost Business Loan: Structure is other here and term loan for Boost Business Loan; loan amount is up to $50M here and $10K to $500K for Boost Business Loan; term is published for Boost Business Loan (6 mths to 3 yrs) but not for this product; security is asset-backed here and varies for Boost Business Loan.
  • Invoice Finance (Invoice Factoring / Invoice Discounting): Structure is other here and invoice finance facility for Invoice Finance (Invoice Factoring / Invoice Discounting); loan amount is up to $50M here and up to $200M for Invoice Finance (Invoice Factoring / Invoice Discounting); time trading is 3+ years trading here and 6+ months trading for Invoice Finance (Invoice Factoring / Invoice Discounting); turnover is published for Invoice Finance (Invoice Factoring / Invoice Discounting) ($10K+ in invoices per month) but not for this product.
  • Line of Credit: Structure is other here and line of credit for Line of Credit; loan amount is up to $50M here and up to $500K for Line of Credit; term is published for Line of Credit (up to 4 yrs) but not for this product; ScotPac publishes security (asset-backed) for this product but not for Line of Credit.

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More from ScotPac

Asset Finance

Chattel mortgage finance over 2 to 5 years for new or pre-owned equipment and vehicles, sourced locally or overseas.

Amount
Not published
Term
2 yrs to 5 yrs
Security
Asset-backed
Rates and other criteria
Rate
Rate available on application
Repayments
Not published
Trading
Not published
Source dated 23 Sept 2026
Details for ScotPac Asset Finance

Boost Business Loan

Boost Business Loan from $10K to $500K over 6 months to 3 years, at a variable rate, for businesses funding cash flow or growth.

Amount
$10K to $500K
Term
6 mths to 3 yrs
Security
Varies
Rates and other criteria
Rate
Risk-based pricing
Repayments
Not published
Trading
12+ months trading
Source dated 23 Sept 2026
Details for ScotPac Boost Business Loan

Invoice Finance (Invoice Factoring / Invoice Discounting)

Invoice factoring or discounting facility that advances cash against unpaid B2B invoices, for businesses invoicing $10K or more a month.

Amount
Up to $200M
Term
Not published
Security
Asset-backed
Rates and other criteria
Rate
Rate available on application
Repayments
Not published
Trading
6+ months trading
Source dated 23 Sept 2026
Details for ScotPac Invoice Finance (Invoice Factoring / Invoice Discounting)

Line of Credit

Line of credit up to $500K, sized up to 150% of average monthly sales, with a 2-year redraw period and 2 further years to repay.

Amount
Up to $500K
Term
Up to 4 yrs
Security
Not published
Rates and other criteria
Rate
Rate available on application
Repayments
Not published
Trading
12+ months trading
Source dated 23 Sept 2026
Details for ScotPac Line of Credit

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Debtor and invoice finance facility advancing up to 85% of invoices, for businesses with a receivables ledger of $100K or more.

Amount
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Term
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Security
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Rates and other criteria
Rate
Rate available on application
Repayments
Not published
Trading
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Source dated 23 Sept 2026
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