ScotPac Business Finance: Facility and Evidence Guide

ScotPac business finance includes facilities for unpaid customer invoices, supplier purchases, business assets and broader cash-flow needs. Choose the route by when your client needs funds, what will repay them and which assets support the facility. A recurring delay in customer payments needs a different structure from buying a vehicle with several years of useful life.

Identify the Funding Gap

Map the client’s cash shortfall by date before choosing a facility or requesting a limit. Record opening cash, customer receipts and supplier payments alongside wages, tax and existing debt repayments. Separate stock purchases from long-term asset purchases so the forecast shows each funding need.

A profitable business can still run short of cash when suppliers require payment before customers pay. That recurring gap suits an assessment of working-capital funding. A one-off equipment purchase needs repayments that the business can support after its ordinary operating costs.

For a hypothetical wholesaler, a supplier invoice falls due on day 1, goods arrive on day 30 and customers pay on day 90. Supplier funding addresses the first stage. Invoice funding can address the later stage after the business sells the goods and issues eligible invoices.

Add freight, tax and operating costs to the forecast before calculating the peak shortfall. If the client also wants to repay an existing loan, include its payout figure separately. Avoid treating the same incoming customer payment as repayment for two facilities.

As at October 2026, ScotPac’s website terms name Scottish Pacific Business Finance Pty Ltd as the website operator. Scottish Pacific and ScotPac therefore appear in the same provider documentation, but the brand alone doesn’t identify the lender for every product. Record the provider named in the proposed facility agreement before applying its requirements.

Compare the Available ScotPac Facilities

Match each ScotPac facility to its funding event and repayment source, then review the security in that facility’s documents. As at October 2026, ScotPac lists invoice finance, trade finance, asset finance, a line of credit and business loans.

Route	Funding event	Repayment source and structure	Security and control assessment
Invoice finance	Goods or services have been sold and eligible invoices remain unpaid	Customer payments reduce the funded receivables balance	ScotPac describes invoices as collateral. Collection responsibility depends on the arrangement.
Trade finance	Local or overseas suppliers need payment for goods or raw materials	Sale proceeds and customer receipts complete the trading cycle	Assess supplier payment conditions and any required invoice finance arrangement.
Asset finance	Purchase of new or used equipment, vehicles or machinery	Business cash flow meets the agreed repayments	The financed asset supports the credit. The applicable agreement can include other security and guarantees.
Line of credit	Broader business cash needs with later repayment and redraw	Business receipts support required payments and further borrowing within the available limit	Review the initial advance, redraw conditions and borrower and guarantor security.
Boost Business Loan	A defined business cash injection	Scheduled weekly payments under the selected agreement	Review the facility fee, security and guarantees in the actual offer.

ScotPac’s invoice finance eligibility focuses on business customers buying on trade credit and reliable customer payment history. Its public criteria include six months’ trading and at least $10,000 in monthly invoices. Advance invoices, staged invoices or consumer sales can affect eligibility.

The trade finance product page says some cases require an invoice finance facility alongside trade finance. In the wholesaler example, these facilities could fund successive stages of the same sale. That doesn’t establish approval for the combination or determine the security shared between them.

The March 2026 line-of-credit terms describe an initial advance of the full facility limit, less the establishment fee. Later advances depend on the available limit and contractual conditions. Don’t model the facility as an undrawn limit from day one without reconciling the proposed agreement.

Those terms and the March 2026 Boost terms name Business Fuel Finance Pty Ltd as the credit provider. ScotPac’s 2026 chattel mortgage terms identify Scottish Pacific Business Finance Pty Ltd or Scottish Pacific (BFS) Pty Ltd. The asset letter of offer selects the entity and supplements the facility terms.

For each route, retain the offer’s provider name, product name and document version together. A requirement from a Business Fuel line of credit doesn’t become an invoice finance requirement because both use ScotPac branding.

Collect Evidence for the Selected Route

Build an application pack around the selected facility’s repayment source and security. Reconcile the documents with the client’s forecast and existing commitments. Keep the following groups separate so the application explains what supports each request.

Evidence group	Prepare for assessment	What it establishes
Receivables and debtors	Aged debtor report, sample invoices, customer payment terms, payment history and details of disputes or credit notes	Which invoices remain collectible, when receipts are expected and exposure to individual customers
Suppliers and trade	Purchase orders, supplier invoices, payment terms, shipping dates, stock details and currency amounts	What must be paid, when goods can be sold and when the trading cycle produces cash
Asset purchase or refinance	Supplier quote, asset description and identifiers, ownership records, existing finance payout and insurance details	The asset being funded, its seller, existing claims and settlement requirements
Business and repayment capacity	Bank statements, current financials, forecast, debt schedule and borrower and guarantor details	Cash available for repayments after operating costs and existing commitments

These are preparation lists for assessment. ScotPac’s application requirements depend on the route and the proposed transaction.

As at October 2026, the ScotPac line-of-credit page requires six months of business bank statements, privacy consents and photo identification for directors and borrowers. Its published entry criteria include 12 months’ trading and $50,000 monthly turnover. The Boost loan page instead states $10,000 monthly turnover, so keep those screens separate.

ScotPac’s asset application asks for business details, an Australian Business Number (ABN) or Australian Company Number (ACN), directors and guarantors, and asset details. Its public screen lists six months’ trading and $5,000 monthly turnover. Passing that screen doesn’t settle asset acceptability, security or final credit approval.

Reconcile invoices to the debtor report and match forecast receipts to realistic payment dates. List any customer concentration or disputed amount separately. The invoice finance guide explains the receivables assessment in more detail.

For an asset, compare the purchase invoice with the amount requested and any existing payout. Use the equipment finance guide to distinguish the asset structures. Record security already granted to other lenders, including claims over receivables or equipment, so the proposed facility doesn’t depend on unavailable priority.

Run the business-loan cash-flow forecast with every proposed repayment included. Delay a major customer receipt in a second forecast and assess whether the business can still meet payroll and debt payments. A funded invoice or sale must appear once in the repayment plan.

Check Cost, Controls and the Broker Handoff

Assess a dated ScotPac quote by the cash the client receives, their total payments and their obligations while the facility runs. Compare the same borrowing amount and expected use period. Include establishment or drawdown fees, ongoing charges and any cost of early exit.

ScotPac’s March 2026 Boost terms charge a fixed facility fee and deduct a drawdown fee from the advance. The facility fee remains payable in full on early repayment under those terms. A shorter borrowing period therefore doesn’t automatically reduce that fee.

The published product terms also contain security and guarantee obligations. For asset finance, the applicable terms can extend beyond the financed asset and impose early termination payments. For the line of credit, check required weekly reductions and when further advances stop, alongside interest and administration fees.

ScotPac’s public Boost page advertises terms from six to 36 months, while its March 2026 terms describe a 52-week repayment period. Identify the version included in the client’s offer and use its repayment schedule in the forecast. Don’t import the marketing range into a contract with a different term.

For invoice finance, record who collects customer payments and the bank account customers must use. For trade finance, record who pays the supplier and what documents release that payment. Review reporting duties, limit reviews and the treatment of disputed invoices, then record notice periods and security-release steps at exit.

ScotPac business finance reviews can help you identify service concerns, but a review of one facility doesn’t establish another facility’s cost or terms. Give more weight to comments about the product your client needs. A reported funding time also doesn’t guarantee your client’s settlement date.

As at October 2026, ScotPac’s broker page provides Partner Portal registration and a separate accreditation route for earning commission. Use the broker registration destination for partner access. The page also gives 1300 177 496 for its broker finance team.

Send a short scenario with the business purpose, amount, required funding date and repayment source. Attach the relevant evidence and debt schedule. Identify documents still outstanding and request written answers on the proposed provider, security priority, facility pairing and any transaction-specific conditions.

Before presenting the facility to your client, match those answers to the dated quote and forecast. The handoff is ready when the proposed funding covers the identified gap and the repayment plan includes every contractual payment.