Asset Based Finance (ABF)
Business LoansNegotiable ratesScotPac 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.
Eligibility
- This product is available to businesses with no tax/ATO arrears or agree to ScotPac paying any ATO arrears at settlement.
- Business customersApplicant must have an ABN and be GST registered. Minimum 3 years trading. Sole Trader or Individual entity types are not permitted.
Constraints
- Minimum limit — $5,000,000.00ScotPac offers ABF facilities starting at $5,000,000.
- Maximum limit — $50,000,000.00ScotPac 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
More Information
Published by ScotPac Business Finance under the Consumer Data Right · Last updated 10 July 2026 · Product ID ABF26 · View Source Data (JSON)