Expertise counts - finance for cash flow today and success tomorrow.



No fuss approval between 24 and 48 hours.



Flexible, fast finance. Invoice Factoring, Business Loans, Payment Plans.



Backing Australian business success since 2007.


Flexible finance when you need it.

Business finance fast means cutting through red tape and delivering. That’s what we do.
Our fuss-free, straight-forward options coupled with business finance expertise delivers
purpose-fit funding when you need it.

Invoice Factoring Australia

Business cash flow online
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Invoice factoring business loan

Fast business finance
View our options

Short term business loans

60+ finance experts
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debtor factoring

Fast business finance

Invoice finance

Immediate cash flow gap? Use our single invoice finance service for as-and-when needed business finance – funds transferred in as little as 4 hours.

Business loans

Need a short term capital injection? Realise a business opportunity, address operational costs or fund other business needs. Purpose-fit for you.

Payment plans

Remove cost barriers to doing business with payment plans for your customers. Increase sales with finance options that drive growth.

Purpose-fit for business

  • As needed business finance – we don’t lock you into long-term contracts.
  • First time clients – funding transferred between 24 and 48 hours.
  • Regular clients – funding transferred in as little as four hours.
  • Finance that works in harmony with your banking facilities – a complement for short-term immediate finance needs.
  • Decades of business finance expertise, delivered one-on-one. We’re not a call centre.
  • Or use our online invoice finance service for at the desk finance.

Find out more

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Business help centre

Invoice Finance

Australian SMEs still need to manage late payment terms

| Blog, Business help | No Comments

In 2017, Australia began to crack down on what has been described as an epidemic of late payment in the country. The Payment Times and Practices Inquiry launched by the…

Unsecured business loans

Take control of your working capital to drive innovation for your business

| Blog, Business help | No Comments

Small businesses with 19 or fewer employees make up over 97% of all businesses in Australia. They’re the proving grounds that every business needs to go through before they can…

Loan terms are changing

New overtime penalties signal changes for Australian businesses

| Blog, Business help | No Comments

Starting on the first of January this year, Australia has implemented new mandatory payments for overtime work. As a result, businesses that habitually rely on workers putting in a lot…

What our clients say

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

"They were really good to get along with and everything they said they were going to do, they did. "