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ScotPac 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.

Invoice FinanceDebtor FinanceFactoringWorking Capital FinanceCashflow Loans
Source dated 23 Sept 2026
Amount
Up to $200M
Term
Not published
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.

Loan amount
Up to $200M
Rate
Rate available on application
Security
Asset-backed
Structure
Invoice finance facility
Fees
Facility fee charged as a small percentage (amount not published)
Time trading
6+ months trading
Turnover
$10K+ in invoices per month
Funding time
Funds in as little as 24 hours, subject to approval
Restrictions
B2B sales on standard trade credit terms to creditworthy Australian businesses; business registered and operating in Australia with invoices in AUD
How to apply
Direct with the lender, or through us
Not published by ScotPac
rate type, term, repayment frequency, early repayment, documents, guarantees
Suitable purposes
Cash flowGrowth

About Invoice Finance (Invoice Factoring / Invoice Discounting)

ScotPac publishes these details for Invoice Finance (Invoice Factoring / Invoice Discounting): structure invoice finance facility; loan amount up to $200M; security asset-backed; time trading 6+ months trading; turnover $10K+ in invoices per month; funding time funds in as little as 24 hours, subject to approval. Not published by ScotPac for this product: term, maximum LVR, 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 invoice finance facility here and other for Asset Based Finance (Corporate); loan amount is up to $200M here and up to $50M for Asset Based Finance (Corporate); time trading is 6+ months trading here and 3+ years trading for Asset Based Finance (Corporate); ScotPac publishes turnover ($10K+ in invoices per month) for this product but not for Asset Based Finance (Corporate).
  • Asset Finance: Structure is invoice finance facility here and chattel mortgage for Asset Finance; ScotPac publishes loan amount (up to $200M) 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 (6+ months trading) for this product but not for Asset Finance.
  • Boost Business Loan: Structure is invoice finance facility here and term loan for Boost Business Loan; loan amount is up to $200M 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.
  • Line of Credit: Structure is invoice finance facility here and line of credit for Line of Credit; loan amount is up to $200M 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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Asset Based Finance (Corporate)

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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
3+ years trading
Source dated 23 Sept 2026
Details for ScotPac Asset Based Finance (Corporate)

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Source dated 23 Sept 2026
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Amount
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Rates and other criteria
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Source dated 23 Sept 2026
Details for ScotPac Boost Business Loan

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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