Lender panel
ScotPac through Lyft Money
ScotPac is one of Australia and New Zealand's largest non-bank business lenders and the best-known specialist in invoice finance. Alongside debtor finance it offers trade finance, asset finance and business loans, serving businesses from small operators through to substantial mid-market companies. Its scale and long history make it a natural first call when a business needs to fund a growing debtor ledger.
Lyft Money is an independent broker. ScotPac is one of 18+ lenders on our panel; we are not ScotPac and do not speak for them. Product details change — your broker confirms current terms before anything is submitted.
| Typical amounts | $50,000 – $20,000,000 |
|---|---|
| Typical speed | Commonly one to three weeks to establish a facility |
| Products we place | Invoice finance, Trade finance, Asset finance, Secured business loan |
| Website | www.scotpac.com.au |
Where ScotPac is strong
- Deep specialisation in invoice and debtor finance across many industries
- Broad product set spanning invoice, trade, asset and business lending
- Handles both small ledgers and substantial mid-market facilities
Things to weigh up
- Invoice facilities require reasonable systems and debtor reporting
- Debtor concentration and dispute history affect the advance rate offered
- Ongoing facility fees apply whether or not the limit is fully drawn
Invoice finance solves a specific problem: the business is profitable and growing, but cash is locked up in a debtor ledger on 30, 45 or 60-day terms. ScotPac funds against that ledger, releasing a percentage of each invoice as it is raised and the balance when the customer pays. For labour hire, transport, wholesale and manufacturing, it often scales better than a fixed loan because the limit grows with sales.
Setting up a facility takes longer than a term loan because the financier reviews the debtor book, the systems and the contracts behind the invoices. We help prepare that properly, and we talk through disclosed versus confidential structures so the customer-facing impact is understood before a facility is put in place.
Key terms
ScotPac invoice finance through a broker
A debtor finance facility arranged by an accredited broker that advances a percentage of outstanding invoices, either confidentially or on a disclosed basis.
ScotPac trade finance
Funding that pays suppliers, often overseas, ahead of the business receiving payment from its own customers.