Better finance solutions 

About Fifo Capital

We’re for SMEs

Do more. Win more. Grow more.

Contact usHow funding works

Committed to helping Australian businesses

Struggling with cash flow? You’re not alone.

92% of SMEs in Australia face cash flow gaps, which can lead to financial instability and insolvency.

At Fifo Capital, we’re tired of watching SMEs fall into this cycle.

And unlike other lenders, we don’t just offer temporary solutions.

We work with you, like a consultant, giving you the power and the tools to take control of your cash flow.

With our support, you can achieve sustainable growth and financial stability.

Learn about our finance solutions

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.

Talk to our team

Making it easier for  businesses to do more business

We support Australian businesses by providing access to smart finance solutions to give you the funds you need, when you need.

Our mission is simple. Make it easier for businesses to do more business.

A big part of what we do, is to help educate businesses on the best ways to use your working capital.

Our team of lending specialists can show you better ways to fund your business, using your existing capital.

By tapping into your working capital, you can keep more cash in your business, giving you more security and certainty to plan and grow.

You run the business. We’ll help you keep building it.

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

Next level business finance

About Fifopay

Meet FifopayTM. Our innovative finance platform, built to better businesses.

Fifopay offers unrivalled capability and features for businesses in Australia. With leading AI technology, surfacing actionable insights, you can start making smarter decisions on how you manage your payables and receivables, today.

Fifopay connects seamlessly to all major accounting platforms, allowing you to easily access and use your working capital, as you manage your everyday business finances.

Find out more

Our values

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.

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 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.

50+ lending specialists

Our network

Fifo Capital HQ, based in Melbourne, is supported by a nation-wide network of business partners and investors.

Our processes enable us to make fast decisions and give you the support you need by referring you to the right partner to fulfill your request.


Experts in working capital

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

Find a specialist

Part of the Wingate Group

Wingate is a leading alternatives investment management business focused on property private debt, mid-market corporate debt and direct property investment.