Access to working capital is necessary for businesses at all stages of their growth journey. Whether you are a start-up needing funding to gain traction or are an established enterprise looking to weather fluctuations in the market, the right business finance solution can ensure sustainable business growth.  

A tailored finance solution will provide you with the cash injection you need to smooth over cash flow gaps, fuel expansion, and meet ongoing operational expenditure needs. 

Business finance solutions generally fall into two main categories:

• Equity Finance – Raising capital by exchanging shares or part-ownership of your business. (Note: ScotPac specialises in debt finance and does not offer equity finance solutions.)
• Debt Finance – Borrowing funds that are repaid over time, typically with interest.

ScotPac provides a wide range of debt finance solutions to help businesses manage cash flow, invest in growth, and cover everyday expenses, including:

• Invoice Finance – Unlock cash tied up in unpaid invoices to improve cash flow.
• Trade Finance – Flexible funding to pay suppliers, manage imports, and support international trade.
• Asset Finance – Fund new or pre-owned equipment, vehicles, and machinery to keep your business moving.
• Business Loans – Fast, unsecured or secured loans to support short-term or long-term business needs.

With fast approvals, minimal paperwork, and funding available in as little as 24 hours, ScotPac helps businesses of all sizes access the capital they need.

Equity finance refers to any form of funding that involves exchanging shares or ownership in a company. While accessibility can vary, securing equity finance is often more challenging for small and medium-sized businesses. It is also generally more complex to obtain and manage compared to debt finance.

Common types of equity finance include:

• Self-funding through personal savings
• Venture capital
• Angel investors
• Crowdfunding sources
• Investments from family and friends

Debt finance refers to any funding solution where a business borrows money and repays it over time, usually with interest. It provides businesses with access to working capital without giving up ownership or equity.

Common types of debt finance include:

• Invoice Finance
• Trade Finance
• Asset Finance
• Business Loans

Invoice Finance leverages the value of outstanding invoices owed to your business by your customers, providing a cash advance of up to 85% of that value, with the rest released once the accounts are settled.

Asset Finance helps businesses finance new or pre-owned equipment, machinery, and other assets by providing quick and easily accessible funding or leverage the value of the already owned assets to raise capital.

Trade Finance provides a working capital injection to help manage cash flow and fund the import or export of goods to customers or from suppliers.

Much like traditional bank loans, a business loan provides fast, flexible, and tailored funding for businesses to cover operational costs, invest in growth, and improve cash flow.

Yes, ScotPac specialises in helping small businesses access business finance solutions. Many small business owners may not realise how easy it can be to apply for finance. Traditional lenders, such as banks, often have lengthy and complicated application processes.

With ScotPac’s simple and straightforward application process and fast approval turnaround, businesses of all sizes and across all industries can access the finance they need to grow.

At ScotPac, we offer a range of business finance solutions that do not require security, including personal property, to be used as collateral.

For example, Invoice Finance leverages the value of unpaid invoices as security. Our business loans from $10,000 to $200,000 can be provided unsecured, meaning your personal assets won’t be at risk.

We believe that every business, even those without good credit, deserves the chance to grow and succeed. By focusing on saying ‘yes’ and looking at future growth, we help businesses overcome credit history limitations and find the right finance solution.

Lower credit scores can impact a business’s ability to secure funding from banks and traditional lenders. At ScotPac, we take a more holistic approach to assess your business and determine the right solution for you.

If you’ve been rejected for a traditional bank loan or are concerned about bad credit, our lending specialists will be happy to talk about your finance options.