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ScotPac 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.

Business LoansCashflow LoansWorking Capital Finance
Source dated 23 Sept 2026
Amount
$10K to $500K
Term
6 mths to 3 yrs
Rate
Risk-based pricing
Security
Varies
Enquire about this product

Product details

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

Loan amount
$10K to $500K
Rate
Risk-based pricingVariable rate based on market conditions, risk profile, loan size and security
Rate type
Variable
Term
6 mths to 3 yrs
Security
Varies
Structure
Term loan
Fees
No application or account-keeping fees · Flat facility fee and drawdown fee built into repayments
Early repayment
No early payout penalties
Time trading
12+ months trading
Turnover
$10K+ monthly sales
Documents
6 months business bank statements, application form, photo ID for all directors and borrowers, and collateral documents if relevant
Funding time
Decisions in as little as 24 hours, sometimes same day; funds within 24 hours of approval
Restrictions
Loans of $10K to $200K can be provided unsecured; larger amounts may require security
How to apply
Direct with the lender, or through us
Not published by ScotPac
repayment frequency, guarantees
Suitable purposes
Cash flowGrowth

About Boost Business Loan

ScotPac publishes these details for Boost Business Loan: structure term loan; loan amount $10K to $500K; term 6 mths to 3 yrs; security varies; time trading 12+ months trading; turnover $10K+ monthly sales. Not published by ScotPac for this product: maximum LVR, 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 term loan here and other for Asset Based Finance (Corporate); loan amount is $10K to $500K here and up to $50M for Asset Based Finance (Corporate); ScotPac publishes term (6 mths to 3 yrs) for this product but not for Asset Based Finance (Corporate); security is varies here and asset-backed for Asset Based Finance (Corporate).
  • Asset Finance: Structure is term loan here and chattel mortgage for Asset Finance; ScotPac publishes loan amount ($10K to $500K) for this product but not for Asset Finance; term is 6 mths to 3 yrs here and 2 yrs to 5 yrs for Asset Finance; security is varies here and asset-backed for Asset Finance.
  • Invoice Finance (Invoice Factoring / Invoice Discounting): Structure is term loan here and invoice finance facility for Invoice Finance (Invoice Factoring / Invoice Discounting); loan amount is $10K to $500K here and up to $200M for Invoice Finance (Invoice Factoring / Invoice Discounting); ScotPac publishes term (6 mths to 3 yrs) for this product but not for Invoice Finance (Invoice Factoring / Invoice Discounting); security is varies here and asset-backed for Invoice Finance (Invoice Factoring / Invoice Discounting).
  • Line of Credit: Structure is term loan here and line of credit for Line of Credit; loan amount is $10K to $500K here and up to $500K for Line of Credit; term is 6 mths to 3 yrs here and up to 4 yrs for Line of Credit; ScotPac publishes security (varies) 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)

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

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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