---
title: "Asset Based Finance (ABF) — ScotPac Business Finance"
description: "Business Loans from ScotPac Business Finance. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/scotpac-business-finance/products/ABF26
source: "CDR Compare"
language: en-AU
last_updated: 2026-07-10T00:40:06.088703Z
---

# Asset Based Finance (ABF) — ScotPac Business Finance

> Business Loans from ScotPac Business Finance. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Business Loans · Negotiable rates · ScotPac Prod**

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.

## Apply

Applications are handled by the provider: [Apply at ScotPac Business Finance](https://www.scotpac.com.au/our-solutions/asset-based-finance/apply/)

## Eligibility

- **This product is available to businesses with no tax/ATO arrears or agree to ScotPac paying any ATO arrears at settlement. **
- **Business customers** (Applicant must have an ABN and be GST registered. Minimum 3 years trading. Sole Trader or Individual entity types are not permitted. )

## Constraints

- **Minimum limit** — $5,000,000.00 (ScotPac offers ABF facilities starting at $5,000,000.)
- **Maximum limit** — $50,000,000.00 (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. )
- **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.** — Debtor Ratio
- **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. ** — Property Security Max LVR
- **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.** — Plant and Equipment Max LVR
- **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.** — Inventory Max LVR

## More information from ScotPac Business Finance

- [Overview](https://www.scotpac.com.au/corporate-finance/asset-based-finance/)
- [Terms & conditions](https://www.scotpac.com.au/wp-content/uploads/2026/07/Asset-Based-Facility-Terms-and-Conditions.pdf)

## Data provenance

- Published by ScotPac Business Finance under the Consumer Data Right
- Product ID: `ABF26`
- Last updated by the provider: 10 July 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/scotpac-business-finance/ABF26
- Provider page: https://www.cdrcompare.au/brands/scotpac-business-finance

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/scotpac-business-finance/products/ABF26) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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