{
  "vertical": "business-lending",
  "insurer": {
    "slug": "scotpac",
    "name": "ScotPac",
    "brand_family": "ScotPac"
  },
  "product": {
    "slug": "boost-business-loan",
    "name": "Boost Business Loan",
    "status": "active",
    "positioning_summary": "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."
  },
  "wording": {
    "version": "wayback-capture-2026-05-17",
    "ingested_at": "2026-05-17T23:18:28.687308+00:00",
    "pdf_hash": "806e701bfcfffb17109c14f679fdcb1d497d7d36e8c445fc1597190482188932",
    "source_url": "https://scotpac.co.nz/our-solutions/boost-business-loan/",
    "page_count": null
  },
  "confidence_tier": "inferred",
  "facts": {
    "fees": {
      "note": "No published $-amount fee schedule; confirm specifics at quote stage.",
      "application_fee": 0,
      "account_keeping_fee": 0,
      "facility_fee_structure": "Flat facility fee + drawdown fee, built into repayments"
    },
    "eligibility": {
      "excludes": [
        "business start-ups (must be existing trading business)"
      ],
      "min_trading_months": 12,
      "location_constraint": "same trading location for 12+ months",
      "min_monthly_revenue_nzd": 10000
    },
    "capture_note": "Live scotpac.co.nz returns HTTP 503 to all non-browser fetches (Akamai-style JS challenge). Content retrieved via Wayback Machine snapshot. Re-verify against live site before any factual claim publication.",
    "max_loan_nzd": 200000,
    "min_loan_nzd": 10000,
    "security_type": "mixed",
    "capture_method": "wayback",
    "other_products": [
      "Invoice Finance",
      "Invoice Discounting",
      "Selective Invoice Financing",
      "Debtor Finance",
      "Trade Finance",
      "Tradeline",
      "Business Finance (umbrella)"
    ],
    "repayment_freq": null,
    "max_term_months": 24,
    "min_term_months": null,
    "rate_disclosure": {
      "kind": "per_quote",
      "text": "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.",
      "source_url": "https://scotpac.co.nz/our-solutions/boost-business-loan/",
      "pricing_model": "flat_facility_fee_plus_drawdown_fee"
    },
    "min_trading_months": 12,
    "min_monthly_revenue_nzd": 10000,
    "funding_speed_advertised": "Credit decision in as little as 24 hours; funding within a day after approval; same-day funding possible.",
    "unsecured_share_advertised": 0.8,
    "trading_location_constraint": "same location for at least 12 months",
    "security_threshold_required_nzd": 100000
  },
  "endpoints": {
    "summary": "/api/business-lending/product/scotpac/boost-business-loan/summary.md",
    "wording": "/api/business-lending/product/scotpac/boost-business-loan/wording.md",
    "history": "/api/business-lending/product/scotpac/boost-business-loan/history.json"
  },
  "canonical_url": "https://insurenz.co.nz/api/business-lending/product/scotpac/boost-business-loan/facts.json",
  "generated_at": "2026-05-18T08:38:03.917Z",
  "license": "CC BY 4.0 — attribute https://insurenz.co.nz"
}