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The Business Loan Store

ScotPac 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.

From lender's website, 23 Sept 2026
Amount
Up to $500K
Term
Up to 4 yrs
Rate
Quoted on application
Security
Not published

Product details

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

Loan amount
Up to $500K
Rate
Quoted on application
Rate type
Not published
Term
Up to 4 yrs
Security
Not published
Structure
Line of credit
Fees
Establishment fee 3% for limits of $50K to $200K; 2% for limits above $200K ยท Monthly administration fee of $85
Repayment frequency
Not published
Early repayment
No early payout penalties
Time trading
12+ months trading
Turnover
$50K+ monthly sales
Documents
6 months business bank statements, application form, photo ID for all directors and borrowers, and collateral documents if relevant
Guarantees
Not published
Funding time
Funds in as little as 24 hours; same-day funding may be available
Restrictions
Limit up to 150% of average monthly sales; redraw for up to 2 years. Applicants must be 18+ and an Australian citizen or permanent resident
How to apply
Direct with the lender, or through us
Suitable purposes
Cash flowGrowth

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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
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Term
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Security
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Rate
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Repayments
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Trading
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From lender's website, 23 Sept 2026
Details for ScotPac Asset Based Finance (Corporate)

Asset Finance

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Repayments
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Boost Business Loan

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Amount
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Term
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Security
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Rate
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Repayments
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Trading
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From lender's website, 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
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Term
Not published
Security
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Rate
Quoted on application
Repayments
Not published
Trading
6+ months trading
From lender's website, 23 Sept 2026
Details for ScotPac Invoice Finance (Invoice Factoring / Invoice Discounting)

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