Scottish Pacific Business Finance

Level 9, 333 Collins Street, Melbourne, VIC 3000, Australia

About Scottish Pacific

Established in 1988, Scottish Pacific Business Finance is Australia and New Zealand’s largest specialist provider of working capital solutions with a comprehensive range of debtor finance and trade finance facilities.


How We Help Business Owners

​Whether you are looking to expand, boost working capital, improve your day to day cash flow or even buy a business, our range of debtor finance and trade facilities can help you.

scottish pacific helps businessScottish Pacific has been helping Australian and New Zealand based businesses to enhance their cash flow and boost working capital for over 25 years, and is Australasia’s largest independent cash flow finance provider.

The great thing about debtor finance is that it is a self-liquidating facility, meaning that you're not taking on additional debt, but rather receiving an advance on money that is already owed to you. In this way, you gain better control of cash flow and a boost to your working capital levels.

Our trade finance options enable business owners to increase their buying power both domestically and internationally, whilst accessing the cash tied up in outstanding invoices to overseas customers.

Here are just some of the benefits available to business owners accessing our range of cash flow finance and working capital solutions

  • Use today’s sale to fund tomorrow's growth
  • Boost your turnover by bringing cash receipts forward
  • Remove the requirement to offer family home as security
  • Choose a cash flow finance facility that grows in line with your business revenue.
  • There’s no need for you to offer costly settlement discounts
  • Boost working capital levels to accelerate growth and investment
  • Use property assets to build personal wealth instead of locking them into the business
  • Get discounts from your suppliers for early payment
  • Improve your buying power
  • Access new buying and selling opportunities in international markets

Take control of your cashflow, boost your working capital and give yourself the power to make the buying and hiring choices you want to make today.




  • Debtor Finance
  • Invoice Discounting
  • Factoring
  • Selective Invoice Finance
  • Trade Finance
  • Import Finance
  • Export Finance
  • Tradeline