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Finance that’s built for business

$10K-$2M in flexible funding to maximise cash flow and fuel growth

Our Solutions

Whether you need long-term funding to take your business to the next level, or fast one-off solutions we’re here to help.
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Businesses get extended trade terms up to 210 days to purchase from international and domestic suppliers.
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Access cash from unpaid invoices with up to 80% advanced.
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Access additional funds up to $350K available with terms from 3-18 months.

We fund businesses like yours

Minutes to apply online. Funds in 24 hours once approved.
You’ll need:
  • Active ABN or ACN
  • Operating more than 12 months
  • Over $120,000 annual turnover

How our funding works

We’ve taken the best bits of traditional finance, and added to that – flexible solutions, simple processes, and ongoing support.
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Flexible solutions
Flexible finance solutions with generous terms, competitive rates — all based on your specific needs and circumstances.
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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.
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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.

Built on our integrated platform Fifopay

Fifopay is our invoice management platform that lets you manage your facility with ease. It gives you full control of your cash flow and the power to unlock new opportunities for your business — all in just a few clicks. With Fifopay, you’ll never miss out on exciting growth opportunities, backed by your payables.
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See how we’ve helped thousands of Australian SME businesses grow

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Award-winning business finance

Get the funds you need, when you need.
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We offer professional guidance and tailored solutions to meet your business finance needs. Using our facilities you can change the way you do business for the better.
Fuel your growth

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

Give yourself the fuel to grow. Access a facility limit of up to $2 million, which means you can invest more in your business. Build more products, stock up to meet demand, or scale up your orders for better discounts.
Do more. Win more. Grow more.

Frequently asked questions

How much funding do you offer?

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.

How long does the approval process take?

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.

What loan amounts are available?

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.

What are the eligibility requirements?

Generally, you’ll need: A registered Australian business with an active ABN or ACN
A minimum annual turnover of $1M for Trade Finance
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.

How do I get started with Fifo Capital?

Getting started is simple. Reach out to our team by completing an apply now 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.

Can Fifo Capital help businesses in all industries?

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.