Turn your invoices into cash flow with Debtor Finance

  • Access up to 80% of total invoice value
  • No real estate security required
  • Your facility can grow as your business grows
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What Is Debtor Finance?

Debtor Finance enables you to turn your sales invoices into cash within 24 hours, so there’s no more waiting weeks or months for customers to pay before you can put that cash to work. We can help you find the right solution, offering a full range of flexible solutions from Selective Invoice Finance to full Debtor Finance solutions.

A Client Perspective

Who Can We Help?

Enter the amount of money you are currently owed by your customers.


You could raise up to:

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How You Can Access Funds In The Next 24hrs

Once approved, using your Debtor Finance facility is simple


Send your invoices as you would in the normal course of business.


Upload copies of those invoices you would like funding for to us online.


You’ll receive 80% of the value of your invoices in your bank account within 24hrs.


You’ll receive the remaining 20%, less fees and charges when your customers pay.

How Will This Experience Be Different?

Leading SME Finance

Australia’s largest specialist working capital provider, supporting SMEs for over 30 years.

Personalised solutions

Work with our business finance specialist to find the right debtor finance solution for you.

Award Winning Lender

Rated Best Non-bank Cash Flow Lender by The Adviser Magazine in 2014, 2015 & 2016.

Our Awards

We are proud of our work:

Frequently Asked QuestionsFind Out More About Scottish Pacific and Debtor Finance

  • An Australian business with an ABN.
  • Businesses selling to other businesses.
  • Businesses whose sales invoices take longer than 15 days for payment.
  • Businesses in need of funding for cash flow or growth.

Approval can take as little as 24hrs from providing the required information.
You can speed up this process by gaining a pre-approval using our online tool.

  • Invoices raised to other businesses on standard trade credit terms can be considered for funding. Invoices to private individuals are not suitable.
  • Invoices older than 90 days cannot be funded.
  • Invoices must relate to goods delivered and/or services fully completed. Milestone invoices and progress claims are not suitable.

Yes. At Scottish Pacific we understand that businesses experience ‘speedbumps’ along the way but we’re experts at finding ways to help and we say ‘yes’ more often. Give us a call to see if we can fulfil your needs.

It’s your choice. You can provide all invoices or just a few selected ones. Partnering with the market leader in Australia and New Zealand provides you with more flexibility.

Funding can be as quick as 24hrs, so you can reinvest in your business quicker and grow your profits further.

Whether your business is in manufacturing or wholesale, labour hire or transport, profitable or needing a boost, so long as you raise invoices to clients on credit terms we are likely to be able to help.

Call us on 1300 322 867 to discuss whether
debtor finance is the right solution for you