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Why Waiting for Rate Changes is Hurting Your Business
In the current economic climate, waiting for interest rates to stabilise could be doing your business a major disservice. Here’s why: The Reality of Rate Stability Interest rates will always fluctuate. Delaying financial decisions while waiting for stable rates can lead to missed opportunities and increased risks. Businesses that hesitate may find themselves lagging behind […]
How Brokers Can Transform Businesses with Working Capital Finance
Small and medium-sized enterprises (SMEs) are vital to our economy, yet they often face significant hurdles in securing sustainable funding that can alleviate their cash flow constraints. This is where brokers and advisors can make a substantial impact, unlocking unprecedented potential for these businesses by understanding and leveraging working capital finance. Here’s how: Working Capital […]
How Australian Manufacturers Can Improve Cash Flow
Recent boosts in orders and upcoming tax cuts, effective from July 1 2024, suggest an improved outlook for Australian manufacturers. Yet, challenges like labour shortages and high operational costs persist, making smart financial strategies essential for sustained success. Below, we outline key actions you can take to navigate these challenges effectively. Understanding the Current Landscape […]
Fifo Capital Announces New CEO
Fifo Capital has appointed Paul James as its new CEO to lead its next stage of growth and innovation. With extensive financial services experience, including leadership roles at GE Capital, Latitude Financial Services and most recently Leda, Paul brings a track record of driving profitable growth and scaling lending operations.“We are delighted to welcome Paul […]
Thinking About Acquiring a New Business? Consider This First.
Expanding your business through acquisition is an exciting prospect, but it requires careful planning. Here are essential tips to ensure a successful transition: Identifying Opportunities Think about your strategic objectives. Are you aiming to expand into new markets, diversify your offerings, or strengthen your competitive position? Understanding your goals will guide your search for suitable […]
Striking the Right Balance: Aligning Business Needs with Personal Vision
Finding the right equilibrium between meeting the demands of the business and fulfilling personal aspirations is crucial but challenging. This delicate balance often proves elusive, leading to potential risks for cash flow and profitability if left unchecked.We unpack this topic and provide insights and tips to keep yu ontrack. Is your vision for your business […]
The Key to Cash Flow Management: Efficient Creditor and Debtor Management
In business, few factors are as crucial as cash flow. It’s the lifeblood of any business. It dictates your ability to operate smoothly, grow sustainably, and weather financial storms. Yet, for many businesses, maintaining a healthy cash flow can feel like an elusive goal, fraught with challenges and uncertainties. One often-overlooked aspect of cash flow […]
Navigating Cash Flow Strategically
Cash flow is the lifeblood of any business, dictating its ability to thrive and grow. Yet, amidst the hustle and bustle of day-to-day operations, many businesses find themselves struggling to maintain a healthy cash flow. One critical factor contributing to this challenge is poor planning of cash spend, which can inhibit cash flow stability and […]
The Importance of Understanding Cash Flow
Among the various factors that dictate a business’s success or failure, cash flow stands as #1. Yet, many businesses find themselves navigating their financial journey blindfolded, unaware of the potential pitfalls that inadequate cash flow management can lead to. Imagine embarking on a journey without a map or compass. Similarly, running a business without a […]
Mastering Cash Flow: Essential Tips To Build Financial Stability
In business, understanding cash flow is crucial. Wayne Morris, CEO of Fifo Capital, to learn why it matters and how to make it work for your business. Know Your Numbers Understanding your cash flow is the first step. Morris emphasises, “Too many businesses look at their profit and loss (P&L) and think they’re doing great […]
Why Cash Matters More Than Profit in Your Business
Did you know that over 80% of businesses fail due to cash flow problems? If you’re solely focused on profit and loss, it might be time to rethink your strategy. Imagine this: Your business is thriving, showing healthy profits on paper. But suddenly, you’re struggling to pay bills, cover salaries, or meet supplier demands. Unfortunately, […]
Unlocking Growth Opportunities: Fifo Capital’s Revamped Policy Empowers SMEs
We’re thrilled to announce significant updates to our credit policy, driven by valuable feedback and demand from partners like you. These updates represent a pivotal step in our commitment to empowering small and medium-sized enterprises (SMEs) to thrive in today’s challenging economic landscape. These updates ensure faster processing, reduced security requirements, and better pricing are […]
CreditorWatch Report Unveils Financial Distress Among Aussie SMEs: Actionable Solutions for Economic Survival
Australian SMEs are encountering significant financial obstacles, as revealed by the latest insights from CreditorWatch. With payment defaults soaring and financial strains intensifying, SMEs must proactively address these challenges to safeguard their stability and growth prospects. Insights from CreditorWatch Data The recent data from CreditorWatch reveals tough times for SMEs across Australia. Payment defaults are […]
Why Cash Flow Alignment Matters: 6 Leap Year-Inspired Insights for SME Success
The success of SME businesses relies on good management, adaptability, resilience, and seizing opportunities. Yet, what is frequently underestimated is the essential alignment with the innate financial rhythm of your business — the cash conversion cycle. Similar to how the sun follows its rhythmic pattern, and we adjust every four years to ensure sync, similarly […]
Practical Strategies for Australian SMEs Facing Supply Chain Disruptions
Recent disruptions in the Panama Canal, compounded by Red Sea rebels, port industrial actions, and protests, have significantly impacted global supply chains. Australian SMEs, facing diverse challenges, are urged to seek strategic and versatile solutions to protect their businesses against what looks like yet another “perfect storm” of global freight problems. Understanding the Challenge The […]
The Business Loan Dilemma: Why SMEs Need a Working Capital Revolution
SMEs face an ongoing battle for financial stability, often struggling to secure the funding they need for growth. Traditional banks and ‘alternative’ lenders with their business loans have left SMEs facing genuine financial dilemmas. Mark Occhiuto, Head of Sales at Fifo Capital, explains why working capital finance is the real solution. SMEs are the backbone […]
Beyond Greensill: Navigating the Australian SME Landscape with Supply Chain Finance
In the ever-evolving realm of business, financial stability is the cornerstone of success. For Australian small and medium-sized enterprises (SMEs), securing a steady cash flow while navigating the complexities of today’s markets is a formidable challenge. Enter supply chain finance, a potent financial tool that promises to empower SMEs, fuel growth, and enhance stability. While […]
SME Finance Accelerator for CFOs: Unlock Profitability in 60 Minutes
Our upcoming webinar is designed to equip you with the tools and strategies you need to overcome these obstacles and drive your profitability to new heights. In this one-hour session, you'll gain valuable insights into:
Fifopay: Finalist in the Finder Innovation Awards 2023
Fifo Capital, a leading innovator in SME financial solutions, is thrilled to announce that its cutting-edge cash flow management platform, Fifopay is a finalist in the prestigious Finder Innovation Awards 2023. This nomination is a resounding endorsement of Fifopay’s dedication to transforming SME finance and empowering businesses to take control of their cash flow, enhance […]
How to Navigate ATO Debt: Tailored Financial Solutions for SMEs
Fifo’s ATO Debt Finance Solutions In today’s challenging economic climate, Australian SMEs are confronting an increasingly pressing issue – heightened scrutiny by the Australian Taxation Office (ATO) over unpaid tax debts. With over 9,000 SMEs now under the ATO’s watch due to overdue tax payments, businesses are feeling the urgency to address this issue promptly. […]
How to Maximise the Benefits of Business Acquisition Loans
Business acquisition loans offer a wealth of advantages for established business owners looking to grow and diversify their operations through strategic acquisitions. In this section, we will delve deeper into the benefits of securing a business acquisition loan, shedding light on why it’s a preferred choice for many savvy entrepreneurs. What You Need to Know […]
Broker’s Guide to Helping SMEs Become More Profitable Clients
Guiding SME clients to success can be tricky. The harsh truth: many SMEs face formidable financial challenges, contributing to a high business failure rate in their early years. In Australia, nearly half (48%) of startups falter before their fourth year, with a quarter closing within their first 12 months.SMEs are up against the odds as […]
The Ultimate Guide to Working Capital Solutions and Financing for Australian Import Businesses
In today’s globalised economy, Australian import businesses play a pivotal role in meeting consumer demands and driving economic growth. Importers face unique challenges, particularly when it comes to managing cash flow and securing the necessary funds to keep operations running smoothly. That’s where working capital solutions and financing strategies come into play. This article provides […]
Long-Term Financial Planning & Capital Solutions for Sustainable Business Growth
In today’s fast-paced business world, the allure of quick fixes and instant results can be tempting. We often hear stories of overnight success and companies that seemingly skyrocket to the top. However, if you’re committed to building a business with lasting power and avoiding the pitfalls of bad debt, it’s time to shift your focus […]
The Power of SMART Goals: A Fundamental Tool for Business Success
In the world of business, achieving success often hinges on setting the right goals. One of the most effective frameworks for doing so is SMART goals. But what exactly are SMART goals, and why do they matter so much? In this post, we’ll delve into the origins, importance, and enduring relevance of SMART goals for […]
10 Habits of Good Businesses: Strategies for SME Success
In the dynamic world of small and medium-sized enterprises (SMEs), building and sustaining a successful business requires more than just chance or luck. It’s about developing effective habits that drive growth, innovation, and customer satisfaction. In this article, we’ll explore ten key habits that distinguish good businesses in the Australian SME landscape. 1. Optimise Cash […]
Maximising SME Business Success: Your Ultimate Step-by-Step Guide
Starting and growing a small business is tough. You have big dreams, but the journey can be bumpy. There are many challenges, and one big puzzle that often gets overlooked is how to manage your money the right way. That’s what we’re here to help with in this guide. We’re going to break it down […]
Cash is King: Unlocking SME Success
In a recent episode of the Fear and Greed business podcast, Sean Aylmer sat down with Wayne Morris, CEO of Fifo Capital, to discuss the challenges faced by small and medium-sized businesses (SMEs) in today’s economic climate. With rising interest rates, an increase in the minimum wage, a tight labour market, and ongoing supply chain […]
Four red flags for SMEs when protecting their cash flow
Cash flow is the lifeblood of small businesses, but it’s tougher than ever for Australian SMEs to protect it.With more rate hikes predicted, rising inflation and the possibility of a recession piling on the pressure, many small business owners across the country are scrambling to stay financially agile and remain competitive. More than half of Australian small businesses are facing cash flow pressures.
How the Rising Age of Australian Small Business Owners is Reshaping Business Finance
Change is sweeping across Australia’s business landscape, marking a distinct shift. Recent research from the Australian Small Business and Family Enterprise Ombudsman has brought a surprising trend to light: the age of small business owners is on the rise. This article takes a pragmatic look at what this means for Australian businesses, particularly SMEs. Dive […]
Embracing Change: The Evolving Face of Australian Entrepreneurs
Change is sweeping across Australia’s business landscape, marking a distinct shift. Recent research from the Australian Small Business and Family Enterprise Ombudsman has brought a surprising trend to light: the age of small business owners is on the rise. This article takes a pragmatic look at what this means for businesses Down Under, particularly SMEs, […]
Rethinking Asset & Equipment Finance
Are you a small or medium-sized business owner or CFO exploring financing options for your company's growth? This article challenges conventional wisdom by delving into the drawbacks of asset and equipment finance. By the end, you'll gain a fresh perspective on why working capital finance might be the superior choice for your SME. Discover how working capital finance offers scalability, adaptability, and long-term support, revolutionising your business's financial strategy.
Building SME Resilience Through Working Capital Solutions
In the ever-evolving landscape of the Australian economy, the coming months are primed for businesses to not only adapt but thrive, reimagining their strategies for longevity and growth. As the commercial realm reshapes, so do the financial needs of enterprises, introducing a pressing demand for agile solutions that address their pain points and fuel their […]
Meet the Team: Interview with Sam Clarkson
In today’s business world, SMEs need flexible financial solutions more than ever. We sat down with Sam Clarkson, an experienced finance specialist who transitioned from asset finance to focus on working capital. Let’s find out why Sam chose this path and why he loves helping SMEs thrive. First things first. What excites you about joining […]
Empowering SMEs Amid Recovering Supply Chains
In the aftermath of prolonged supply chain disruptions, the Australian business landscape finds itself standing at a pivotal crossroads. While the challenges faced by small and medium-sized enterprises (SMEs) are gradually easing, the lessons learnt from recent experiences carry immense value. As we traverse this evolving terrain, it’s not only crucial to navigate the present […]
Meet the Team: Interview with Eka Inall
We are excited to introduce Eka Inall, the newest member of the esteemed Fifo Capital operations team. Eka is a detail-oriented professional with extensive international experience. Her background includes expertise in exports, trading, sales, management, operations, and customer service leadership within agriculture, food, and finance sectors. With a proven track record, Eka excels in overseeing […]
Canary in the Cage: Why Commercial Brokers Must Embrace Working Capital Finance
The Australian financial landscape is going through significant changes, presenting unprecedented challenges for SMEs seeking stability and growth. As commercial brokers, you play a vital role in guiding businesses to a better horizon, much like the vigilant canary leading miners away from danger. However, there’s a concerning trend of many brokers sticking to traditional debt-based […]
Working Capital Solutions for Small Business in 2023
In today’s fast-paced business world, maintaining a healthy cash flow is crucial for small business success. But how can you unlock the much-needed working capital to keep your business thriving? From understanding the importance of working capital to navigating different financing options, this comprehensive guide will provide you with the tools and knowledge you need […]
How to Unlock Effective Cash Flow Management in 2023
Did you know that poor cash flow management is one of the primary reasons businesses fail? In today’s fast-paced business landscape, effective cash flow management is more crucial than ever. It is the lifeblood of any business, ensuring that there are sufficient funds to meet financial obligations, invest in growth opportunities, and maintain financial stability. […]
Fifopay: Revolutionising Aussie SMEs’ Financial Management
Fifo Capital unveils “Digital CFO Technology” SaaS platform, Fifopay, to transform Aussie SMEs’ financial management Leading business finance provider Fifo Capital has announced the public release of Fifopay, a cloud-based, AI-enabled financial management platform designed to revolutionise SMEs’ financial operations. Several of Fifopay’s features are Australian fintech firsts. Fifopay acts as a “digital CFO” when […]
What Is Cash Flow in Business: A Comprehensive Guide
Cash flow is the lifeblood of any business, and a key component to understanding what cash flow is in business. It’s the oxygen that keeps your enterprise alive and thriving. But how do you ensure that your business maintains a healthy cash flow? In this comprehensive guide, we’ll explore the intricacies of what is cash […]
Unlocking the Benefits of Import Finance in 2024
In a globalised world, businesses must navigate complex international transactions to remain competitive. Import finance solutions offer a lifeline, providing the necessary funding and support for seamless cross-border trade. This blog post delves into the world of import finance, exploring its various types, benefits, and real-life success stories. Get ready to unlock the potential of […]
Agriculture Business Loans: Available Solutions & How to Apply for Australian Farmers
Discover the types of agriculture business loans available in Australia, the application process, and how they can nurture the growth of your farm. Start sowing the seeds for your financial success today. Apply for an agriculture business loan with Fifo Capital.
Trucking Business Loans: Available Solutions & How to Apply
Explore the various solutions for trucking business loans with Fifo Capital. Understand the types of loans available, how to apply, and how they can fuel your trucking business's success. Start driving your business to a better financial future today.
Debtor Finance Companies: Maximise Your Cash Flow With Invoice Financing
Are you facing cash flow problems and want to get money from your unpaid invoices? Debtor finance is a great option that works differently from regular loans, giving you more flexibility and convenience. In this blog post, we’ll explore debtor financing options, compare different types of finance, and share helpful tips for choosing the right […]
Small Business Finance: Exploring the Best Loan Options in Australia
Navigating the confusing world of small business finances can be a difficult process for entrepreneurs. To ensure success, it is important to find the best loan option that suits your company’s needs among all possible financial solutions available in Australia. This blog post will share insights into suitable options and some advice on how to […]
Retail Business Loans: Available Solutions & How to Apply
Are you a retail business owner in need of financial support to fuel the growth and success of your enterprise? Retail business loans offer valuable solutions to address your specific needs. In this guide, we will explore the different types of loans available, why retail businesses require loans, and how you can apply for them. […]
Pharmacy Business Loans: Available Solutions & How to Apply
Are you an Australian pharmacy owner seeking financial support to propel your business forward? Look no further than pharmacy business loans, designed specifically to meet the unique needs of pharmacy businesses. In this comprehensive guide, we will delve into the benefits of pharmacy business loans, explore the various solutions available, and walk you through the […]
The Key Benefits of Cash Flow Lending for Small Businesses
Imagine unlocking the full potential of your small business by leveraging the power of cash flow lending. As an alternative to traditional financing options, cash flow lending offers flexibility and speed, providing a lifeline to businesses in need of funds. In this guide, we will delve into the world of cash flow lending, exploring its […]
Unlocking the Benefits of Finance for Businesses
Understanding the different options available for business financing is an essential part of becoming successful in today’s competitive market. We will explore all types of finance that are open to businesses, big and small, allowing you to make informed decisions about which strategy best suits your needs and can take your company forward. Having a […]
Embedded finance: How to use it in your business?
This guide aims to provide a clear understanding of embedded finance and how it can help small and medium-sized enterprises (SMEs) in Australia. By integrating financial services into non-financial products and services, businesses can streamline their operations, improve cash flow management, and save time and money. This guide covers what embedded finance is, how it […]
Trade Finance Products: Overview & Comparison
Understanding trade finance is crucial for businesses, particularly those involved in import and export activities, as it plays a vital role in providing financial support for their operations. Trade finance involves a range of financial services that can facilitate trade transactions and help SMEs achieve their goals. In this article, we will provide a comprehensive […]
Learn International Trade Financing: Tips and Strategies
If you’re an Australian SME business owner looking to expand your global reach, then international trade financing may be an attractive option. But what is it, and how does it work? In this article, we will guide you through the key insights and tips for securing international trade financing. We will break down different types […]
How Working Capital Finance Can Fix Cash Flow Problems (For Good)
As an SME business owner, you understand the vital role that cash flow plays in the survival of your business. Without it, you can’t keep the lights on, pay your employees, or keep your doors open. However, late payments, seasonal fluctuations, and unexpected expenses can quickly throw your cash flow off track, even if you’re […]
7 Finance Tips for SMEs in Australia to Improve Cash Flow and Unlock Growth Potential
Managing cash flow can be a challenge for SME owners in Australia. Without adequate cash flow, it can be difficult to pay bills, invest in growth opportunities, and cover expenses like salaries and rent. However, there are ways to address this problem and unlock your business’s potential for growth. To help SMEs in Australia, we […]
Will the federal budget really deliver what SMEs need?
As the federal budget approaches, Treasurer Jim Chalmers has emphasised that small businesses will be “front and centre”, asserting they are integral to the Albanese government’s strategy for creating a stronger, sustainable, and more resilient economy.
Choosing Your Trade Finance Company: Follow These Steps
Trade finance plays a crucial role in the success and growth of businesses that engage in international and domestic trade. It helps companies bridge the gap between the time they need to pay for goods from suppliers and the time they receive payments for those goods from their customers. This article aims to provide Australian […]
Understanding Cash Flow: How to Maximise Your Money
As an Australian SME business owner, it is essential to understand cash flow as an essential component of managing finances beyond revenue and profit to maximise your money effectively. This comprehensive guide to cash flow will discuss the definition, types, and importance of cash flow, how to analyse it, and strategies to improve it. Key […]
Complete Guide to Working Capital Funding: 2024 Edition
As we move into the latter part of 2024, the economic landscape continues to demonstrate growing pains with rising interest rates correcting from the extraordinarily extended low-rate environment that the world had become complacent with. This shift has placed immense pressure on small and medium-sized enterprises (SMEs) to manage their cash flow more efficiently. In […]
Expert Insights: Understanding the Importance of Credit and Risk Management in Business Finance
Risk and credit are key features of the business finance industry, and understanding them is crucial for any business owner seeking financing options. And access to finance can be a key factor in determining a business’s success. However, many businesses struggle to obtain the funding they need, often due to challenges related to credit and […]
How to manage the impact of minimum wage increases on SME businesses in Australia
The topic of minimum wage increases continues to be a significant point of discussion, often causing tensions between workers and small and medium-sized enterprises (SMEs). With the recent announcement by the Fair Work Commission (FWC) to implement a 5.75% increase in the minimum wage, it is crucial for SMEs to understand and adapt to the […]
Mastering revenue forecasts: Practical advice for Australian SMEs
As a small or medium-sized enterprise (SME) owner in Australia, it’s essential to keep a close eye on your revenue forecasts to make informed business decisions. Whether you’re just starting or have been in business for a while, having a clear understanding of your revenue projections can help you plan for growth, make smart investments, […]
5 key ways to improve cash flow management for seasonal businesses
As a small or medium-sized seasonal business owner, you know that cash flow management is crucial to your survival. While your business may experience revenue peaks during certain seasons, the off-season can pose a challenge when it comes to covering expenses. However, securing financing can be even more difficult for seasonal businesses, as traditional lenders […]
Business finance in Australia: The need to move beyond debt
It’s clear that the Australian economy is facing unprecedented uncertainty. Small and medium-sized enterprises (SMEs) are struggling to access the finance they need to grow and develop. And let’s be honest, relying on debt-based loans to keep businesses afloat is like trying to build a skyscraper on quicksand. To ensure a brighter future for Australian […]
Trade finance: A guide for Australian SMEs
Trade finance is a crucial part of both domestic and international trade that Australian SME business owners must understand. It provides businesses with the necessary financing to buy goods and services from overseas and local suppliers, while mitigating trading risks. This guide will explore what trade finance is, its benefits, and how it can help […]
Our network: Interview with Rodney Fleiszig
Meet Rodney Fleiszig. A seasoned business lending specialist and a valuable member of the Fifo Capital team. His expertise lies in supporting SMEs’ financial needs and collaborating with brokers to secure the necessary funding for growth and success. We sat down to for an insightful conversation with Rodney as he shares his perspectives, tips, and […]
Business diversification: A how-to guide for SME businesses
As a small or medium-sized business owner, you’re well aware that the business landscape is constantly evolving, and being agile and adaptable is key to remaining competitive. Diversification is one way to achieve this flexibility. Expanding your product or service offerings, entering new markets, and collaborating with other businesses are all potential outcomes of diversifying […]
Maximising cash flow: How working capital finance can help SMEs succeed
Managing cash flow is crucial for the success of any business, especially for small and medium-sized enterprises (SMEs). Yet, SMEs often face numerous challenges when it comes to managing their cash flow effectively. One of the biggest challenges is managing accounts payable, which involves tracking bills and invoices and ensuring that they are paid on […]
A guide to better business finance in 7 steps
When it comes to finding the right finance solutions for your business, it’s important to take a thorough and tailored approach. To get the lowdown on what makes a good deal, and what makes an ideal business to use working capital finance, we spoke with Mark Occhiuto. Mark is a seasoned sales professional with extensive […]
Riding the storm: How to effectively manage your working capital in uncertain times
Managing your working capital and cash flow can be a daunting task, especially during uncertain economic times. But with the right tools and strategies, your business can navigate these challenges and come out on top. Embrace the storm, they say. But when it comes to your business, it’s better to be safe than sorry. As […]
15 things Australian businesses learnt in the last year
The last year has been a rollercoaster ride for Australian businesses of all sizes and industries. As we reflect on the past year, it’s clear that the challenges have only made businesses stronger and more resilient. SMEs that will thrive in the future are the ones that take control of their destiny and are proactive […]
The importance of cash flow management for business survival: Practical tips and solutions
Cash flow is the lifeblood of any business, and mismanaging it can lead to serious financial trouble. In this post, we’ll explore the importance of cash flow and the risks of mismanaging it, and provide some practical tips for keeping your business’s cash flow healthy. Why cash flow is important Cash flow is the amount […]
For brokers: Help your clients secure the funding they need
As a broker, you play a critical role in the success of your clients. The biggest challenge faced by SMEs today is securing the necessary funding to grow and prosper. However, with traditional finance options becoming less popular, it’s important for brokers to be well-versed in alternative finance solutions. In this article, we provide you […]
Navigating a recession: Tips for protecting your business
A recession can be a daunting and uncertain time for businesses, especially for those who have not experienced one before. But by being proactive and taking steps to prepare and protect your business, you can increase your chances of weathering the storm and emerging stronger on the other side. In this article, we’ll provide practical […]
The one thing businesses need to succeed
Clarity. It’s the foundation of success for any business. Without clear goals, strategies, and communication, it’s nearly impossible to navigate challenges and make effective decisions. Successful business leaders understand the value of clarity and have used it to overcome adversity and achieve great success. Throughout history, we’ve seen numerous examples of this, from Steve Jobs’ […]
Finance tips for business owners
Running a business is a challenging and rewarding endeavour. It requires careful planning, financial management, and the ability to adapt to changing circumstances. Here are some tips for business owners and finance advisers who want to improve their skills and knowledge: Develop a solid business plan A well-written business plan outlines your goals, target market, […]
How to understand financial ratios
Financial ratios are a way to analyse and evaluate the financial health and performance of a business. They are calculated using information from your business’ financial statements, such as your balance sheet, income statement and statement of cash flows. By analysing financial ratios, a business owner can get a better understanding of their business’ strengths […]
Debtor finance
Debtor finance, also known as invoice finance or factoring, has been around for centuries. The concept of invoice financing can be traced back to the ancient Roman empire, where merchants would sell their invoices to financiers in exchange for immediate payment. In the modern era, debtor finance became more widely used in the 20th century […]
Supply chain finance for SMEs
Are you an SME business looking to improve your finances and grow your business? Are you considering supply chain finance or better finance strategies to improve your business? In this post we’ll step you through the ins and outs of this powerful form of business finance and cover: What supply chain finance is Supply chain […]
How to create compounding success in your business
Compounding success is the concept of building on small victories and making incremental improvements over time to achieve significant results. It’s about taking a long-term approach to success and understanding that the journey to success is a marathon, not a sprint. One key aspect of compounding success is the importance of small changes. In business, […]
Supply chain finance advantages for Australian businesses
Supply chain finance, also known as reverse factoring or dynamic discounting, is a financial tool that can potentially bring a range of benefits to businesses in Australia and help strengthen the business sector. At its core, supply chain finance involves the financing of a company’s accounts payable through a third-party intermediary, such as a bank […]
How Australian SMEs can make their working capital work for them
Small and medium-sized enterprises (SMEs) are the backbone of the Australian economy, making up more than 97% of all businesses in the country. Despite their important role in driving economic growth and job creation, SMEs often face a range of challenges when it comes to managing their financial resources. One way that SMEs can address […]
Invoice financing options
A lot of jargon surrounds any type of finance. And invoice finance is no different. Given the number of lending providers and terms being shopped about, you’d be forgiven for thinking there were 20 or more different invoice financing options. But thankfully (for 99.99% of us) all you really need to understand is the core […]
Financing business expansion
Expanding your business can be both exciting and challenging. To successfully finance your business expansion, it’s important to carefully assess your business needs, explore all available financing options, and think strategically about how you can diversify your funding sources in order to achieve long-term success. To help you succeed, and ensure you’re on the right […]
Why use invoice finance over traditional business loans
If you’re a business owner, then you know that running a business requires a lot of money. You need to purchase inventory, pay employees, and cover other costs associated with operation. This can be difficult if you don’t have the capital available to do so. Traditional business loans can be a great way to get […]
Business expansion loans
Looking to grow your business and take it to the next level? A business expansion loan can help you do just that. As a business owner, you know that growing your company is essential to success. But sometimes it can be difficult to get the funding you need to make your expansion plans a reality. […]
What is invoice discounting?
When you’re a small business, money is always tight. That’s why it’s important to take advantage of every opportunity to save money, and invoice discounting is one of those opportunities. With invoice discounting, you can get access to the cash you need now by taking money in advance, against your unpaid invoices. It’s a great […]
Business Acquisition Loans
Are you an established business owner eager to expand through strategic acquisitions? This comprehensive guide is tailored to provide you with essential insights into securing a business acquisition loan in Australia. At Fifo Capital, we understand the importance of making informed decisions, and that’s why we’re here to equip you with the knowledge and expertise […]
Financing a business acquisition
Looking to buy a business but don’t have the money to do so? When it comes to financing a business acquisition, it’s important that you get the right advice that will lead you to the appropriate finance solution to fit your business, and there are a number of factors that you need to consider. Getting […]
Why more businesses are turning to supply chain finance
There are a number of powerful benefits that supply chain finance can bring to any business. The most obvious, is helping your business to grow and reach new markets by getting your products out there in a timely manner. But another major benefit is improved cash flow, as money that would previously have been locked […]
Working capital solutions: Regearing how your business operates
2023 will be a year for businesses to re-gear and rethink how they manage their business and ensure its longevity. As the Australian economy has grown and evolved, so have the financial needs of businesses. Businesses need to be able to access capital quickly to respond to market conditions and to finance their operations. And […]
How Australian businesses can gain more certainty in uncertain times
As we hurtle towards the unknowns of 2023 — now is the time to start finding better ways to strengthen and improve your business. There’s no escaping the fact that businesses keep getting dealt new challenges. From record low unemployment making successful recruitment seem like winning the lottery, to skyrocketing inflation, lingering supply chain issues […]
10 ways supply chain finance can improve your business
One of the best ways to strengthen your business and make it easier to access the funds you need to operate and grow, is to start using supply chain finance. Here are just a few reasons why your business should be using this powerful form of business finance. 1. Better cash flow Supply chain finance […]
Invoice finance: Good for business
Struggling to keep up with payments? You’re not alone. Whether you’re a business owner struggling with cash flow issues, or you’re simply looking to improve your cash flow and your overall financial situation, invoice finance is a great way to make use of your working capital. Invoice finance can help you get the money you […]