Invoice discounting a good fit

Our difference makes
all the difference

About us

Expert decision makers, one-on-one

When you’re looking for working capital fast you need to know two key things: (1) you’re dealing with a trusted, reputable provider focused on business success over margin, and, (2) your contact is an expert and a decision maker.

Fifo Capital is a leading provider of business finance solutions for corporations through to SME’s with expert finance skills at the ready to support for your cash flow and working capital needs. With over ten years supporting clients of all industries from construction to retail, we understand business – the challenges and the opportunities – and how to make good decisions fast.

We launched in New Zealand in 2005, opened our doors in Australia in 2007 and following this success, expanded into the UK. Our 70+ Business Partners are hand-picked, quality professionals who thrive on designing solutions specific to the needs of their clients. We keep things simple, fast and effective by ensuring our clients have access to one-on-one expertise; a point of difference that ensures businesses obtain maximum funding.

Privately owned, advocates of business and here when your business needs – one off or ongoing – Fifo Capital has the financial backing and nous to meet all your finance needs.

Solutions and expertise
for business success

Fifo Single Factor

Invoice Finance

Fifo Smart Loan

Business Loans

Fifo Flexi Pay

Supply Chain Finance

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Meet our business leaders

Nigel Thomson

Founder and Head Franchisor

Working with smart, progressive people to make a business all that it can be is hugely rewarding. Over the years Nigel has acquired and launched a number of businesses and through applying out-of-the-box thinking and working collaboratively with a network of clever business people, has enjoyed both the challenges and rewards of business success.

Wayne Morris

Director, Australia

Wayne comes from an accounting and corporate finance specialist background having worked for Grant Thornton, London where he held a senior position in Government Advisory for corporate finance. Prior to joining Fifo Capital, Wayne was Head of the UK market for one of the UK’s leading Supply Chain Finance and Invoice Finance Fintech platforms.

Simon Suggett

Director, Australia

It’s been more than 28 years since Simon began working in invoice finance – holding senior management positions with companies including Bank of Scotland, Lloyds TSB, Scottish Pacific Business Finance, St George Business Finance, and Allianz Debtor Finance. His vast knowledge and experience also extends to assisting large ASX listed companies to funding management buy-outs, buy-ins, company acquisitions to providing a range of general funding solutions to a number of businesses across a wide range of industry sectors.

Andrew Allen

Head of Sales & Marketing, Australia

Understanding not only what business needs, but how they need to access services is a key focus for Fifo Capital. With both marketing and business finance experience – Andrew’s experience includes over 10 years with Fifo Capital as well as senior marketing positions with ANZ, George Patterson Bates, Clemenger BBDO and Young & Rubicam.

Melissa Lovf

Head of Credit & Operations, Australia

Looking at business using a standardised checklist misses the point. With over 15 years working with some of Australia’s leading finance organisations including ANZ Invoice Finance, Scottish Pacific and ORIX, Melissa has seen just about every business finance scenario there is.  Melissa knows that thoroughly looking at business through a 360 degree lens is critical when it comes to managing risk for us and our clients.

Andrew Roberts

Head of Franchise Expansion, Australia

Andrew brings with him a vast amount of experience with developing franchise systems both locally and internationally. He has spent the past 20+ years in senior positions in the Australian franchise industry, including Sign-A-Rama, Embroidme, Mr Rental, The Grey Army and Automotive Brands (Autobarn & AutoPro). Andrew’s role at Fifo Capital is focussed on franchise expansion, developing and growing the network of Business Partners and Investors Australia-wide.

What our clients say

"Fifo Capital were an integral part of getting our business growth happening. Using them to provide cashflow whilst waiting for government funds to flow into the business meant we could expand at three times the rate; this growth then led to the business being able to gain other contracts due our size. They were extremely flexible about payment timings and on call whenever needed. Their ability to alter the level of advancements against invoices meant we only had to pay for the part we needed advancing. There is no way a bank would be that flexible or reasonable in their costs. I would highly recommend their services to any developing business."

− Go Green, NSW Australia

"Fifo Capital easily met my short deadline and delivered exactly what he promised at a time when the growth of my business required our debtor funds to survive. Fifo Capital's support allowed our business to grow at a rate that would not have been possible without this funding facility. "

− Packaging Company, Victoria, Australia

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

"Fifo Capital are co-operative and nothing is too difficult - I have a very good working relationship with them. They're excellent at what they do, open to ideas, easy to contact and quick to reply"