Finance that’s built for business

Flexible funding for cash flow gaps and growth, from $100K-$2M

Award-winning business finance

Get the funds you need, when you need

Whether you’re a small business, an ASX listed company, or something in between — we can help you maximise the potential of your businesses assets using our innovative, smart and easy to establish finance options.

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Funding 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 the funding you need, when you need. Once an offer is accepted, funding will be in your account within 24 hours.

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 advice

Benefit from our team’s 120+ years of combined experience, working across all types of industries and complex circumstances.

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

Fast, flexible finance for good businesses

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

Empowering businesses to grow and succeed

Unlock your business potential with up to $2M

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

“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

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

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.

Book a free 30-minute consultation

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 marketing 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.

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

About Fifo Capital


We're for business. For businesses of all sizes, and across all industries.

And we've made it our mission to improve the way Australian businesses do business.

Fifo Capital plays a critical role in Australia's commercial finance landscape. Led by some of Australia's most experienced alternative finance experts, we're proudly backed by Melbourne-based investment house, Wingate.

Since 2007, we’ve supported thousands of Australian businesses with more than $2B. And we're just getting started.



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


A respected advisor 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.

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