Invoice discounting a good fit

Our difference makes
all the difference

About us

Expert decision makers, one-on-one

When you’re looking for working capital fast you need to know two key things: (1) you’re dealing with a trusted, reputable provider focused on business success over margin and (2) your contact is an expert and a decision maker.

Fifo Capital is a leading provider of business finance solutions with deep pockets and expert finance skills at the ready to support for your cash flow and capital needs. With over ten years supporting clients of all industries from construction to retail, we get business – the challenges and the opportunities – and how to make good decisions fast.

We launched in New Zealand in 2005, opened our doors in Australia in 2007 and following this success, expanded into the UK. Our 70+ Business Partners are hand-picked, quality professionals who thrive on designing solutions specific to the needs of their clients. We keep things simple, fast and effective by ensuring our clients have access to one-on-one expertise; a point of difference that truly makes all the difference.

Privately owned, advocates of business and here when your business needs – one off or ongoing – Fifo Capital has the financial backing and nous for your immediate and short term needs.

Solutions and expertise
for business success

Fifo Single Factor

Fifo Single Factor

Fifo Smart Loan

Fifo Smart Loan

Fifo Flexi Pay

Fifo Flexi Pay

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Meet our business leaders

Nigel Thomson

Founder and Head Franchisor

Working with smart, progressive people to make a business all that it can be is hugely rewarding. Over the years I have acquired or launched a number of businesses and through applying out-of-the-box thinking and working collaboratively with a network of clever business people, have enjoyed both the challenges and rewards of business success.

Neil McMillan

Managing Director, Australia

I have a passion for helping small businesses with their financing needs where traditional lenders can’t. With 17 years working in the UK, New Zealand and Australia for companies including Royal Bank of Scotland (RBS, UK), Lock Finance (NZ), Scottish Pacific Benchmark, I have seen every scenario of business finance need and thoroughly enjoy being in a position to help.

Simon Suggett

Business Expansion, Australia

It’s been more than 22 years since I began working in invoice finance – clocking up experience with companies including Bank of Scotland, Lloyds TSB, Scottish Pacific Business Finance, St George Business Finance, and Allianz Debtor Finance. I’ve seen plenty of good businesses who for a variety of reasons –need one off or short term cash flow injections.

Andrew Allen

Head of Operations Australia

Understanding not only what business needs, but how they need to access services is a key focus for Fifo Capital. With both marketing and business finance experience – my background includes roles with ANZ (Financial Planning, Wealth & Distribution), George Patterson Bates, Clemenger BBDO and Y&R Mattingly.

Melissa Lovf

Head of Credit Australia

Looking at business using a standardised checklist misses the point. With over 15 years working with some of Australia’s leading finance organisations including ANZ Invoice Finance, Scottish Pacific and ORIX, I’ve seen just about every business finance scenario there is. The most important thing my experience has taught me? You have to look at business through a 360 lens.

Andrew Roberts

Head of Franchise Expansion

Andrew brings with him a vast amount of experience with Developing Franchise systems both locally and Internationally. He has spent the past 20 years in senior positions in the Australian franchise industry, including Sign-A-Rama, Embroidme, Mr Rental, The Grey Army and Automotive Brands (Autobarn & AutoPro). Andrews role at Fifo Capital is focussed on franchise expansion, developing and growing the network of Business Partners and Investors Australia-wide.

What our clients say

"Fifo Capital were an integral part of getting our business growth happening. Using them to provide cashflow whilst waiting for government funds to flow into the business meant we could expand at three times the rate; this growth then led to the business being able to gain other contracts due our size. They were extremely flexible about payment timings and on call whenever needed. Their ability to alter the level of advancements against invoices meant we only had to pay for the part we needed advancing. There is no way a bank would be that flexible or reasonable in their costs. I would highly recommend their services to any developing business."

− Go Green, NSW Australia

"Fifo Capital easily met my short deadline and delivered exactly what he promised at a time when the growth of my business required our debtor funds to survive. Fifo Capital's support allowed our business to grow at a rate that would not have been possible without this funding facility. "

− Packaging Company, Victoria, Australia

"Fifo Capital being able to do one or two invoices only is a massive advantage for businesses looking for flexibility."

"Fifo Capital are co-operative and nothing is too difficult - I have a very good working relationship with them. They're excellent at what they do, open to ideas, easy to contact and quick to reply"