{
  "source": "https://prd.pm.productdata.au/8700c6a5-9057-417a-81e5-0f52ee09040d/adapter/cds-au/v1/banking/products/ABF26",
  "note": "Product Reference Data published by the data holder under the Consumer Data Right, as cached by this site (refreshed every 6 hours).",
  "data": {
    "brand": "ScotPac Business Finance",
    "description": "ScotPac’s Asset Based Finance gives your business fast, flexible access to working capital, secured against multiple assets - so you can seize every opportunity. Facility sizes up to $50 million, secured against debtors, inventory, property, and plant & equipment - tailored to your business scale. ",
    "isTailored": true,
    "lastUpdated": "2026-07-10T00:40:06.088703Z",
    "name": "Asset Based Finance (ABF)",
    "productCategory": "BUSINESS_LOANS",
    "productId": "ABF26",
    "additionalInformation": {
      "overviewUri": "https://www.scotpac.com.au/corporate-finance/asset-based-finance/",
      "termsUri": "https://www.scotpac.com.au/wp-content/uploads/2026/07/Asset-Based-Facility-Terms-and-Conditions.pdf",
      "eligibilityUri": null,
      "feesAndPricingUri": null,
      "bundleUri": null,
      "additionalOverviewUris": [],
      "additionalTermsUris": [],
      "additionalEligibilityUris": [],
      "additionalFeesAndPricingUris": [],
      "additionalBundleUris": []
    },
    "applicationUri": "https://www.scotpac.com.au/our-solutions/asset-based-finance/apply/",
    "brandName": "ScotPac Prod",
    "brandGroup": null,
    "cardArt": [],
    "effectiveFrom": "2026-07-10T00:00:00Z",
    "effectiveTo": null,
    "bundles": [],
    "constraints": [
      {
        "constraintType": "MIN_LIMIT",
        "additionalInfo": "ScotPac offers ABF facilities starting at $5,000,000.",
        "additionalInfoUri": null,
        "additionalValue": "5000000.00"
      },
      {
        "constraintType": "MAX_LIMIT",
        "additionalInfo": "ScotPac offers ABF facilities up to $50,000,000. Businesses seeking limits greater than $5,000,000 must have been trading for a minimum 5 years. ",
        "additionalInfoUri": null,
        "additionalValue": "50000000.00"
      },
      {
        "constraintType": "OTHER",
        "additionalInfo": "Asset-Based Finance (ABF) has multiple asset classes available for security, including Debtors (debtors/receivables), Inventory, Plant & Equipment and Property. The ‘Debtors' asset class must account for a minimum 25% of the facility limit. ScotPac will lend to a maximum of 75% of the approved debtors ledger.",
        "additionalInfoUri": null,
        "additionalValue": "Debtor Ratio"
      },
      {
        "constraintType": "OTHER",
        "additionalInfo": "Asset-Based Finance (ABF) has multiple asset classes available for security, including Debtors (debtors/receivables), Inventory, Plant & Equipment and Property. ScotPac cannot take security over a primary residence. For investment properties where a 1st registered mortgage is offered, ScotPac will lend to a maximum 80% LVR against residential property or 70% against commercial property. Where a 2nd registered mortgage is offered, ScotPac will lend to a maximum 60% LVR against residential property or 50% against commercial property. ",
        "additionalInfoUri": null,
        "additionalValue": "Property Security Max LVR"
      },
      {
        "constraintType": "OTHER",
        "additionalInfo": "Asset-Based Finance (ABF) has multiple asset classes available for security, including Debtors (debtors/receivables), Inventory, Plant & Equipment and Property. ScotPac will lend to a maximum of 70% of the Orderly Liquidated Value of Plant and Equipment.",
        "additionalInfoUri": null,
        "additionalValue": "Plant and Equipment Max LVR"
      },
      {
        "constraintType": "OTHER",
        "additionalInfo": "Asset-Based Finance (ABF) has multiple asset classes available for security, including Debtors (debtors/receivables), Inventory, Plant & Equipment and Property. ScotPac will lend to a maximum of 50% of the Orderly Liquidated Value of Inventory.",
        "additionalInfoUri": null,
        "additionalValue": "Inventory Max LVR"
      }
    ],
    "depositRates": [],
    "eligibility": [
      {
        "eligibilityType": "OTHER",
        "additionalInfo": "This product is available to businesses with no tax/ATO arrears or agree to ScotPac paying any ATO arrears at settlement. ",
        "additionalInfoUri": null,
        "additionalValue": null
      },
      {
        "eligibilityType": "BUSINESS",
        "additionalInfo": "Applicant must have an ABN and be GST registered. Minimum 3 years trading. Sole Trader or Individual entity types are not permitted. ",
        "additionalInfoUri": null,
        "additionalValue": null
      }
    ],
    "features": [],
    "fees": [],
    "lendingRates": [],
    "instalments": null
  }
}