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ScotPac Asset Finance

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

Equipment & Asset FinanceVehicle & Fleet Finance
Source dated 23 Sept 2026
Amount
Not published
Term
2 yrs to 5 yrs
Rate
Rate available on application
Security
Asset-backed
Enquire about this product

Product details

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

Rate
Rate available on application
Term
2 yrs to 5 yrs
Security
Asset-backed
Structure
Chattel mortgage
Funding time
Funding in as little as 24 hours once approved
Restrictions
Funds up to 100% of the asset purchase price
How to apply
Direct with the lender, or through us
Not published by ScotPac
loan amount, rate type, fees, repayment frequency, early repayment, time trading, turnover, documents, guarantees
Suitable purposes
EquipmentVehicle

About Asset Finance

ScotPac publishes these details for Asset Finance: structure chattel mortgage; term 2 yrs to 5 yrs; security asset-backed; funding time funding in as little as 24 hours once approved; suitable purposes equipment, Vehicle. Not published by ScotPac for this product: loan amount, maximum LVR, time trading, turnover, documentation, guarantees. Ask the lender or a finance specialist to confirm these before you apply.

How it differs from other ScotPac products

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

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More from 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.

Amount
Up to $50M
Term
Not published
Security
Asset-backed
Rates and other criteria
Rate
Rate available on application
Repayments
Not published
Trading
3+ years trading
Source dated 23 Sept 2026
Details for ScotPac Asset Based Finance (Corporate)

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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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 1 Oct 2026
Details for Pepper Money Commercial Asset Finance (Commercial Loan & Mortgage)
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Earlypay Equipment & Asset Finance

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Amount
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Term
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Security
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Rates and other criteria
Rate
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Repayments
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Trading
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Source dated 23 Sept 2026
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Resimac Commercial Asset Finance

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Amount
Not published
Term
Up to 5 yrs
Security
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Rates and other criteria
Rate
Rate available on application
Repayments
Not published
Trading
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Source dated 25 Sept 2026
Details for Resimac Commercial Asset Finance
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NAB Business Vehicle and Equipment Loan

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Amount
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Term
Not published
Security
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Rates and other criteria
Rate
Rate available on application
Repayments
Not published
Trading
Not published
Source dated 25 Sept 2026
Details for NAB Business Vehicle and Equipment Loan

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