Q. What do you think makes your products so popular?
ScotPac’s Invoice Finance product continues to stand out with brokers because it solves one of the biggest challenges facing Australian SMEs in 2026: maintaining consistent and reliable cash flow in an increasingly uncertain operating environment.
Recent global conflicts have led to an escalation of fuel costs and other supply chain inputs for thousands of businesses. At the same time, rising inflation and multiple interest rate hikes have softened consumer demand across key SME sectors, including retail, wholesale, and hospitality.
This combination of factors is placing pressure on SME margins and creating a more challenging cash flow environment, even for otherwise healthy businesses.
That’s where access to flexible funding solutions becomes a necessity – not just to support growth but to relieve pressure on day-to-day operations and bridge the gap between costs and income.
For brokers, the appeal is simple. ScotPac’s Invoice Finance gives clients fast, flexible access to working capital when they need it most. Instead of waiting 30, 60, or even 90 days for invoices to be paid, businesses can unlock funds tied up in receivables and reinvest immediately into wages, suppliers, stock, or growth opportunities.
Brokers increasingly want funding solutions that help their clients smooth cash flow and remain agile, rather than simply taking on more traditional debt. And they want the comfort of working with a trusted funding partner who can deliver a proven solution.
At ScotPac, we currently fund around $24 billion in invoices annually and support facilities ranging from $10,000–$150 million. That means we can assist everyone from start-ups and family businesses through to established mid-market enterprises. It is that scale and experience that gives our broker partners the confidence they need to achieve the right outcome for their clients.
Q. How have you been tailoring your products this year?
In 2026, maintaining strong and dependable cash flow has become one of the defining priorities for Australian businesses, driven by persistent cost pressures, global economic uncertainty, and increased compliance and recovery activity from the Australian Taxation Office (ATO).
To meet these changing conditions, ScotPac has worked closely with brokers to build funding arrangements that are more customised, scalable, and responsive to individual business requirements.
A major focus area over the past 12 months has been assisting businesses dealing with accumulated tax obligations. Many fundamentally sound SMEs emerged from the pandemic carrying substantial tax debt, only to then face higher interest rates, inflationary pressures, and softer trading conditions in parts of the economy. With the ATO maintaining a firmer enforcement stance, demand for alternative funding solutions has accelerated.
Invoice Finance is proving particularly effective in this environment because it allows businesses to access capital already tied up in unpaid invoices, improving liquidity without disrupting day-to-day operations. This can help ease immediate pressure from tax liabilities while allowing businesses to continue investing in staff, inventory, equipment, and future growth.
We are also seeing brokers increasingly position Invoice Finance as a practical tool to help clients prepare for broader regulatory and structural changes, including the introduction of Payday Super. As businesses transition to more frequent superannuation payments, reliable access to working capital will become even more critical to managing payroll obligations and maintaining operational flexibility.
