ScotPac Business Finance (NZ)

About ScotPac

Legal entity

Scottish Pacific Business Finance Pty Limited (NZ branch)

Brand family

ScotPac

Primary website

https://scotpac.co.nz

Notes

Specialist commercial finance provider — invoice finance + asset finance + trade finance + term loans. NZ branch of Scottish Pacific (AU). Note: live site returns 503 to non-browser fetches; ingestion uses Wayback Machine captures.

ScotPac's term-loan product for NZ SMEs: $10K-$200K, up to 24 months, both secured + unsecured (80%+ of loans unsecured; security required over $100K). Credit decision in as little as 24 hours; same-day funding possible. 12+ months trading + $10K+ monthly turnover. Flat facility fee + drawdown fee built into repayments; no application or account-keeping fees.

Loan range

$10,000 – $200,000

Term

Up to 24 months

Security

mixedSecurity required over $100,000

Trading history required

12+ months

Minimum monthly revenue

$10,000

Advertised funding speed

Credit decision in as little as 24 hours; funding within a day after approval; same-day funding possible.

Interest rate disclosure (per quote, not publicly advertised) · pricing model: flat facility fee plus drawdown fee

ScotPac does not publish an annual percentage rate for the Boost Business Loan. Pricing is built into the per-quote repayment schedule via a flat facility fee + drawdown fee, with no application fees or account-keeping fees.

Fees

• note: No published $-amount fee schedule; confirm specifics at quote stage.
• application fee: none
• account keeping fee: none
• facility fee structure: Flat facility fee + drawdown fee, built into repayments