ScotPac Business Finance

04/11/2026

𝗪𝗵𝗲𝗿𝗲 𝗮𝗿𝗲 𝘁𝗵𝗲 𝗻𝗲𝘅𝘁 𝗼𝗽𝗽𝗼𝗿𝘁𝘂𝗻𝗶𝘁𝗶𝗲𝘀 𝗲𝗺𝗲𝗿𝗴𝗶𝗻𝗴 𝗶𝗻 𝗔𝘂𝘀𝘁𝗿𝗮𝗹𝗶𝗮'𝘀 𝗽𝗿𝗶𝘃𝗮𝘁𝗲 𝗲𝗾𝘂𝗶𝘁𝘆, 𝗠&𝗔 𝗮𝗻𝗱 𝗱𝗲𝗯𝘁 𝗺𝗮𝗿𝗸𝗲𝘁𝘀?

ScotPac’s Chris Charleson will be moderating an expert panel at Navigating Australia’s Next Deal Cycle: The Outlook for Private Equity, M&A and Debt Markets, hosted by Private Equity Media.

Joining Chris will be David Robertson (Bendigo Bank), Kelly Morton (Skye Capital Advisory), Yash Doshi (Straight Bat Private Equity), Tony Schiavello (BDO) and Gary Ahmad (KPMG).

Together, the panel will explore the economic conditions, investment appetite and funding trends shaping Australia's private equity, M&A and corporate finance landscape.

The discussion will examine where capital is flowing, which sectors are attracting investor interest and the factors influencing transaction activity, valuations and deal ex*****on.

For business leaders, CFOs, investors and corporate advisers, this is an opportunity to hear expert perspectives on navigating the evolving market and positioning businesses for investment, acquisition and growth.
Event details:
Venue: RACV City Club, Melbourne
Date: 25 November 2026
Time: 8am – 9:30am

Learn more and register here: https://bit.ly/48DHrdy
𝗢𝘂𝗿 𝗴𝘂𝗲𝘀𝘁𝘀 𝗰𝗮𝗻 𝗻𝗼𝘄 𝗴𝗲𝘁 𝟭𝟬𝟬% 𝗱𝗶𝘀𝗰𝗼𝘂𝗻𝘁! 𝗨𝘀𝗲 𝗽𝗿𝗼𝗺𝗼 𝗰𝗼𝗱𝗲: 𝙎𝙘𝙤𝙩𝙋𝙖𝙘𝙂𝙪𝙚𝙨𝙩

04/11/2026

𝗡𝗼𝗻-𝗯𝗮𝗻𝗸 𝗳𝗶𝗻𝗮𝗻𝗰𝗲 𝗶𝘀 𝗿𝗲𝘀𝗵𝗮𝗽𝗶𝗻𝗴 𝗵𝗼𝘄 𝗔𝘂𝘀𝘁𝗿𝗮𝗹𝗶𝗮𝗻 𝗦𝗠𝗘𝘀 𝗳𝘂𝗻𝗱 𝗴𝗿𝗼𝘄𝘁𝗵.

For the first time, 61% of SMEs planning to invest intend to use non-bank finance, more than triple the 19% recorded in 2019.

According to ScotPac’s latest SME Growth Index, this milestone reflects a significant shift in how businesses approach funding new investment.

As SMEs navigate rising costs and evolving market conditions, access to flexible funding solutions is becoming increasingly important.

The message is clear: non-bank finance is no longer simply an alternative. It’s becoming a mainstream part of how Australian businesses fund their future.

Explore the latest insights from ScotPac’s SME Growth Index: https://bit.ly/4BMyIU4

30/10/2026

The Christmas cash flow crunch starts well before December.

For many Australian SMEs, the lead-up to Christmas brings increased demand, greater operating expenses, and additional pressure on cash flow.

From purchasing seasonal stock and managing higher payroll costs to navigating extended customer payment terms, businesses often face significant financial commitments before the peak trading period even begins.

So how can businesses prepare for the seasonal cash flow squeeze?

Having access to flexible funding can help businesses manage these challenges, maintain day-to-day operations, and make the most of opportunities during one of the busiest times of the year.

In our latest blog, we explore the cash flow pressures businesses face in the lead-up to Christmas and how the right funding strategies can help them stay ahead.

Read the full article: https://bit.ly/4e5vdhb

28/10/2026

𝗦𝘂𝗽𝗽𝗼𝗿𝘁𝗶𝗻𝗴 𝗴𝗿𝗼𝘄𝘁𝗵 𝗶𝗻 𝘁𝗵𝗲 𝗳𝗼𝗿𝗲𝘀𝘁𝗿𝘆 𝗶𝗻𝗱𝘂𝘀𝘁𝗿𝘆.

When unexpected expenses arise, having access to working capital can make all the difference.

For this family-owned forestry business, with more than 25 years of industry experience, additional funding was needed to manage unexpected bills and invest in new equipment and machinery.

By taking the time to understand the business and its funding requirements, ScotPac was able to provide a tailored $100,000 Line of Credit, with the application assessed and funded in just 48 hours.

The result? Greater financial flexibility to manage immediate expenses while continuing to invest in the business.

With ScotPac expanding the lending capacity of its Line of Credit product, we're helping even more businesses access flexible funding solutions suited to their needs.

26/10/2026

More funding options. Greater flexibility. More opportunities for business growth.

ScotPac is expanding the lending capacity and capabilities of three core products, making it easier for more Australian and New Zealand businesses to access funding that meets their needs.

The enhancements include:

• 𝗔𝘀𝘀𝗲𝘁 𝗙𝗶𝗻𝗮𝗻𝗰𝗲 𝗟𝗶𝘁𝗲 𝗗𝗼𝗰: A streamlined assessment process, with decisions possible in as little as 48 hours.

• 𝗟𝗶𝗻𝗲 𝗼𝗳 𝗖𝗿𝗲𝗱𝗶𝘁: Increased lending ratios and expanded funding capacity.

• 𝗧𝗲𝗿𝗺 𝗟𝗼𝗮𝗻 (𝗕𝗼𝗼𝘀𝘁 𝗕𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗟𝗼𝗮𝗻): Higher lending limits and more flexible funding options

According to our latest SME Growth Index report, 59% of SMEs are planning to invest in the next six months, highlighting the continued demand for accessible, flexible finance.

As businesses navigate rising costs, regulatory pressures and supply-chain challenges, these enhancements will provide more options to manage cash flow, invest in equipment, and pursue growth.

Read the full media release to learn more: https://bit.ly/4i14WmA

20/10/2026

𝗡𝗼𝗻-𝗯𝗮𝗻𝗸 𝗳𝗶𝗻𝗮𝗻𝗰𝗲 𝗵𝗮𝘀 𝗿𝗲𝗮𝗰𝗵𝗲𝗱 𝗮 𝗻𝗲𝘄 𝗺𝗶𝗹𝗲𝘀𝘁𝗼𝗻𝗲, 𝘄𝗶𝘁𝗵 𝗺𝗼𝗿𝗲 𝗔𝘂𝘀𝘁𝗿𝗮𝗹𝗶𝗮𝗻 𝗦𝗠𝗘𝘀 𝗹𝗼𝗼𝗸𝗶𝗻𝗴 𝗯𝗲𝘆𝗼𝗻𝗱 𝘁𝗿𝗮𝗱𝗶𝘁𝗶𝗼𝗻𝗮𝗹 𝗯𝗮𝗻𝗸𝘀 𝘁𝗼 𝗳𝘂𝗻𝗱 𝘁𝗵𝗲𝗶𝗿 𝗴𝗿𝗼𝘄𝘁𝗵.

New findings from the 25th edition of ScotPac’s SME Growth Index reveal that a record 61% of SMEs planning to invest intend to use non-bank finance over the next six months. That's more than triple the 19% recorded in 2019.

Meanwhile, the proportion planning to use bank lending has fallen from 48% in 2023 to just 31%.

ScotPac CEO Clare Morgan says the shift reflects growing demand for greater choice, flexibility and funding solutions that align with businesses' evolving needs.

With 59% of SMEs planning new investment, access to the right finance remains critical to supporting growth while preserving working capital.

Read the full media release to explore what's driving this shift in SME funding preferences: https://bit.ly/4jyyZTU

20/10/2026

𝗚𝗿𝗼𝘄𝘁𝗵 𝗱𝗼𝗲𝘀𝗻'𝘁 𝘄𝗮𝗶𝘁 𝗳𝗼𝗿 𝗰𝗲𝗿𝘁𝗮𝗶𝗻𝘁𝘆. 𝗡𝗲𝗶𝘁𝗵𝗲𝗿 𝘀𝗵𝗼𝘂𝗹𝗱 𝘆𝗼𝘂𝗿 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀.

With economic uncertainty continuing to shape the business landscape, many New Zealand SMEs are holding back on investment and expansion. But waiting for the perfect conditions could mean missing valuable opportunities.

ScotPac New Zealand General Manager Lindsay Fisher recently shared his insights with NZBusiness, discussing the importance of forward planning and taking a proactive approach to business growth.

From building financial resilience to ensuring businesses are well-positioned to seize new opportunities, Lindsay highlights why looking ahead is more important than ever.

Read the full article here: https://bit.ly/4yYFTXl

The uncertainty isn’t going anywhere. ScotPac’s Lindsay Fisher says the businesses that grow are the ones that stop waiting for it to.

19/10/2026

When businesses need funding, speed and simplicity can make all the difference.

We're delighted to receive this fantastic 5-star Trustpilot review from a customer who experienced firsthand the difference fast, flexible finance can make.

With their business loan approved in just 48 hours, our customer was able to access the funds they needed to support their cash flow, without unnecessary delays.

At ScotPac, we're committed to making business finance straightforward, backed by responsive service and a team that understands the importance of getting funding when it matters most.

Thank you for the wonderful feedback and for choosing ScotPac to support your business.

15/10/2026

As Australia's securitisation market evolves, access to flexible funding remains critical for businesses navigating an increasingly complex economic environment.

ScotPac Treasurer Bridget Keating recently shared her insights at a KangaNews industry roundtable, featured in the 7th annual 𝗪𝗼𝗺𝗲𝗻 𝗶𝗻 𝗖𝗮𝗽𝗶𝘁𝗮𝗹 𝗠𝗮𝗿𝗸𝗲𝘁𝘀 𝗬𝗲𝗮𝗿𝗯𝗼𝗼𝗸 and sponsored by Morningstar DBRS.

Bringing together leading voices from across the financial sector, the discussion explored shifting market dynamics, growing international investor interest and the opportunities and challenges shaping the future of securitisation in Australia.

As Bridget highlighted during the discussion:
“𝘉𝘶𝘴𝘪𝘯𝘦𝘴𝘴𝘦𝘴 𝘩𝘢𝘷𝘦 𝘧𝘢𝘤𝘦𝘥 𝘢 𝘤𝘩𝘢𝘭𝘭𝘦𝘯𝘨𝘪𝘯𝘨 𝘤𝘰𝘶𝘱𝘭𝘦 𝘰𝘧 𝘺𝘦𝘢𝘳𝘴 𝘢𝘯𝘥 𝘩𝘢𝘷𝘪𝘯𝘨 𝘢𝘤𝘤𝘦𝘴𝘴 𝘵𝘰 𝘤𝘢𝘴𝘩 𝘧𝘭𝘰𝘸 𝘪𝘴 𝘱𝘪𝘷𝘰𝘵𝘢𝘭.”

The roundtable offered valuable perspectives on how the industry is adapting to changing market conditions and the evolving role of non-bank lenders.

Read the full discussion here: https://bit.ly/3VHXAvC

12/10/2026

𝗖𝗼𝘂𝗹𝗱 𝗰𝗼𝗺𝗯𝗶𝗻𝗶𝗻𝗴 𝘁𝘄𝗼 𝗳𝗶𝗻𝗮𝗻𝗰𝗲 𝘀𝗼𝗹𝘂𝘁𝗶𝗼𝗻𝘀 𝗯𝗲 𝘁𝗵𝗲 𝗸𝗲𝘆 𝘁𝗼 𝘀𝘁𝗿𝗼𝗻𝗴𝗲𝗿 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗰𝗮𝘀𝗵 𝗳𝗹𝗼𝘄?

For businesses managing both supplier payments and customer invoices, maintaining healthy cash flow can be a balancing act.

Paying suppliers upfront while waiting for customers to settle invoices can place significant pressure on working capital and limit opportunities for growth.

That's where Trade Finance and Invoice Finance can work together.

By providing funding at different stages of the trade cycle, these solutions can help businesses manage cash flow gaps, improve financial flexibility and pursue growth opportunities with greater confidence.

In our latest blog, we explore how combining Trade Finance and Invoice Finance can help businesses keep cash flowing.

Read more: https://bit.ly/4dvlu3t