Finance that’s built for business

$100K-$2M in flexible funding for cash flow gaps and growth

Award-winning business finance

Get the funds you need, when you need.

Maximise the potential of your businesses assets using our innovative, smart and easy to establish finance options.

Talk to our team

Our solutions

Fast, flexible finance

We’ve taken the best bits of traditional lending, and added to that – faster turnarounds, more flexible terms and generous facilities for businesses with good balance sheets.

Whether you need fast one-off cash flow solutions or you’re looking to take your business finances to the next level, we can help.

How our funding works

Experience the benefits of tailored finance

Our tailored finance solutions actively promote your business’s wellbeing, fostering growth and resilience.

Unlike traditional loans, our approach syncs seamlessly with your cash flow cycles, ensuring smoother repayments and easy fund access.

Talk to a lending specialist

About Fifo Capital

Since 2007, we’ve helped thousands of businesses with over $2B, and we’re just getting started.

At Fifo, our mission is simple: To help Australian businesses streamline operations and strengthen resilience.

We do this by assisting SMEs like yours in meeting obligations, securing funding, and maximising profitability through trade discounts and other strategic levers.

A leader in Australian commercial finance, Fifo is led by experienced alternative finance experts, backed by the Wingate Group, and committed to supporting B2B SMEs.



More than 3,000 SMEs and corporate businesses in Australia rely on our finance solutions.


A respected adviser on alternative finance; we work in hand with the government and other bodies, to advocate for better ways to improve stability and fairness in the Australian financial system.


 We’re constantly pushing the boundaries and delivering new ways to better support businesses. Through extended terms, best in class tech, new partnerships — we are 100% committed to delivering better outcomes for our clients.

See how we’ve helped thousands of Australian SME businesses grow

“Banks can only do so much. Fifo Capital bridges the gap between what we need to fund our growth, and to de-risk exposure to bad debt. I look back and I wonder what we would have done without it.”

Dan Day |
 CEO & Founder, Invisible Artists

Finance that’s tailored to your business

Flexible solutions

Flexible finance solutions with generous terms, competitive rates — all based on your specific needs and circumstances.

Simple process

Once you make contact with us, a dedicated specialist will work with you to ensure we have all the necessary information to assess your funding request as quickly as possible.

Fast approvals

Get up to $500K in just 7 days. Higher amounts up to $2M are customised and will take a bit longer. Once established, enjoy same-day access to funds going forward.

With a team of experts that you can rely on

Fair decisions

We adhere to responsible lending practices, but we also understand that circumstances are often complex. We assess funding requests, based on the overall performance of your business — and not just the last few months.

Expert guidance

Specialising in working capital finance, we help SMEs tackle cash flow challenges. Our team guides businesses toward solutions that boost resilience and maximise profits.

Ongoing support

We pride ourselves on building strong relationships with our clients and we care about supporting your changing needs. That’s why we provide you with a dedicated lending specialist, who is only ever a phone call away.

Experts in working capital

Stop worrying about your cash flow and get back to growing your business.

Find a specialist

Empowering businesses to grow

Unlock your potential with up to $2M in revolving funds

Unlock your business’s full potential with our accessible revolving funding options, offering the flexibility you need to pursue your goals confidently. With funding readily available at your fingertips, seize new opportunities as they arise, without the delays of awaiting approval for new financing.

Unlock your business’s full potential today!

Get started

We fund businesses like yours

Are you looking for better ways to fund your business? Do you have an active ABN or ACN? Has your business been operating for more than 12 months?

Yes? Let’s get your capital working!

Make an enquiry

Good businesses need better finance

Maximise profits & boost your resilience

As an SME owner, your goal is growth and financial stability.

 In our guide you can discover the power of leveraging supplier discounts.

Tailored for both new and experienced business owners, it offers practical steps to boost profits and become a catalyst for business expansion

Get the guide now!

Simply complete the form to get your copy and unlock actionable strategies for your business.

Make the switch

Transform your business with more efficient cash flow management. With our expert team and customised finance solutions, you can optimise your payables and receivables in just one week.

Don’t let outdated financing hold you back. Let us help you unlock the potential of your business today.

Level up your business using your existing assets

We specialise in helping SME and corporate businesses to improve their cash flow and their overall business, using their working capital.

Once you understand how to use working capital effectively, you can access a whole new level of potential benefits, discounts and security for your business and your supply chain.

Speak to a specialist

Frequently asked questions

Fifo Capital offers personalised financing solutions to support your business’s growth and cash flow needs. Our experienced team will work closely with you to understand your specific requirements and provide tailored funding options.

This depends on how technical the funding requirement is. If you have a straight forward funding need and the right information, we can get you an indicative (pre-approved) offer in 24 hours. Once in place, you can access same-day funding within 4 hours, giving you the agility to move quickly and achieve your business goals.

You can go from application to approved and funded within a week for funding requests up to $500K.For larger funding needs between $500K-$2M, we work to establish the necessary arrangements to power up your cash flow, which may take a little longer but the results are worth it.

Fifo Capital offers funding options up to $2 million. The specific loan amount will be determined based on your business’s financials, requirements, and our assessment of your needs.

Generally, you’ll need: A registered Australian business with an active ABN or ACN
A minimum annual turnover of $1M
Business operating for at least 12 months

We’re inclusive in our eligibility requirements, considering a range of factors beyond just credit scores and financial statements. We won’t waste your time if we can’t help, and our experts provide clear information to determine eligibility. Our streamlined process can get you an indicative offer in just 24 hours.

Getting started is simple. Reach out to our team by completing a an enquiry form or giving us a call.

We will guide you through the process, answer any questions you may have, and assist you in finding the right financing solution for your business.

Yes, we work with businesses across various industries. However, it’s important to note that from time to time, we may face limitations in working with certain industries due to market conditions and associated risks.

Our team has extensive expertise in understanding the unique challenges and opportunities specific to different sectors.

We will carefully assess the feasibility and potential risks involved in working with your industry, and tailor our solutions to meet your specific requirements.

Our goal is to help you achieve success while mitigating any potential challenges that may arise.