TRUSTED LENDER PARTNER

Meet ScotPac: Available on Bizzy

Meet ScotPac: Available on Bizzy

Meet ScotPac: Available on Bizzy

ScotPac is one of the lenders on Bizzy helping Kiwi businesses unlock working capital and fuel growth with fast, flexible finance solutions.

A range of funding solutions to suit your business needs

Access from 10K to 200M

Get Quotes

Get Quotes

More about ScotPac

As Australia and New Zealand’s largest non-bank business lender, we’ve been giving SMEs a better chance of success for over 35 years. Whether you’re a startup or an enterprise, we understand the unique challenges of business cash flow.

We take the time to understand your unique business needs, particularly in managing cash flow. With our expertise, we’ll tailor financing solutions that get you where you want to be.
"
"

ScotPac make the effort to understand us and really partner with us. It's a lot more flexible than dealing with banks

ScotPac make the effort to understand us and really partner with us. It's a lot more flexible than dealing with banks

— Debra Carthew, Commercial Maintenance

— Debra Carthew, Commercial Maintenance

ScotPac's Offering:

  • Business Loan (Boost)

    Fast funding to fuel your business growth up to $200K, available with a quick decision. Up to $100K without security. Apply Now

    ELIGIBILITY REQUIREMENTS:

    12 months minimum trading history

    $10K+ monthly turnover

    Active NZBN

    NZ citizen or permanent resident

    Good Credit History

  • Line of Credit

    Flexible, ongoing access to funds when you need them. Draw down what you need, repay and redraw, all without reapplying. Apply Now

    ELIGIBILITY REQUIREMENTS:

    12 months minimum trading history

    Monthly turnover of $50K+

    Active NZBN

    NZ citizen or permanent resident

    Borrowing range up to 150% of average monthly sales

  • Invoice Financing

    Unlock the cash tied up in your outstanding invoices. Get paid faster without waiting on customer payment terms, keeping your cashflow healthy and your business moving. Learn More

    ELIGIBILITY REQUIREMENTS:

    B2B transactions and invoice

    6 months minimum trading history

    Active NZBN

    Customers are creditworthy NZ businesses with reliable payment history

    $10K+ generated in invoices monthly

  • Business Loan (Boost)

    Fast funding to fuel your business growth up to $200K, available with a quick decision. Up to $100K without security. Apply Now

    ELIGIBILITY REQUIREMENTS:

    12 months minimum trading history

    $10K+ monthly turnover

    Active NZBN

    NZ citizen or permanent resident

    Good Credit History

  • Line of Credit

    Flexible, ongoing access to funds when you need them. Draw down what you need, repay and redraw, all without reapplying. Apply Now

    ELIGIBILITY REQUIREMENTS:

    12 months minimum trading history

    Monthly turnover of $50K+

    Active NZBN

    NZ citizen or permanent resident

    Borrowing range up to 150% of average monthly sales

  • Invoice Financing

    Unlock the cash tied up in your outstanding invoices. Get paid faster without waiting on customer payment terms, keeping your cashflow healthy and your business moving. Learn More

    ELIGIBILITY REQUIREMENTS:

    B2B transactions and invoice

    6 months minimum trading history

    Active NZBN

    Customers are creditworthy NZ businesses with reliable payment history

    $10K+ generated in invoices monthly

  • Business Loan (Boost)

    Fast funding to fuel your business growth up to $200K, available with a quick decision. Up to $100K without security. Apply Now

    ELIGIBILITY REQUIREMENTS:

    12 months minimum trading history

    $10K+ monthly turnover

    Active NZBN

    NZ citizen or permanent resident

    Good Credit History

  • Line of Credit

    Flexible, ongoing access to funds when you need them. Draw down what you need, repay and redraw, all without reapplying. Apply Now

    ELIGIBILITY REQUIREMENTS:

    12 months minimum trading history

    Monthly turnover of $50K+

    Active NZBN

    NZ citizen or permanent resident

    Borrowing range up to 150% of average monthly sales

  • Invoice Financing

    Unlock the cash tied up in your outstanding invoices. Get paid faster without waiting on customer payment terms, keeping your cashflow healthy and your business moving. Learn More

    ELIGIBILITY REQUIREMENTS:

    B2B transactions and invoice

    6 months minimum trading history

    Active NZBN

    Customers are creditworthy NZ businesses with reliable payment history

    $10K+ generated in invoices monthly

Product

Product

Loan Amount

Loan Amount

Term

Term

Rate (p.a)

Rate (p.a)

Line of Credit

$50,000 - $200,000

Ongoing

Upon Application

Boost Business Loan

$10,000 - $200,000

6 to 24 months

Upon Application

Invoice Finance

Up to 90% of Invoice from 100K to 200M

Ongoing

Upon Application

ScotPac's Unique Strengths

Specialist Finance, Not One-Size-Fits-All

Wide range of funding solutions, from invoice finance to trade finance, so you get the right fit for your business needs.

Fast Access to Funds

Get a decision quickly and funds in your account fast, so you can keep moving without waiting on the banks.

Over 35 Years of Experience

ScotPac has the track record and depth to support Kiwi businesses through any conditions, good times and tough ones.

Apply with ScotPac

Apply with ScotPac

More lenders on Bizzy

  • Flexible working capital loans for small businesses—designed to help you manage cashflow, seize opportunities, and keep moving forward.

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  • Specialist business loans for SMEs who’ve been overlooked by the banks—offering quick decisions and funding up to $2 million.

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  • Fast, flexible invoice finance that helps businesses unlock cash tied up in unpaid invoices—no long-term lock-ins, just funding when you need it.

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  • An invoice financing specialist with tailored solutions like invoice and purchase-order finance to help unlock working capital fast and fuel growth

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