Discover how our enhanced business loan—now with higher limits up to $5M, 36-month terms, and interest-only options—is built to fuel the growth of ambitious Australian SMEs.
For Australian SMEs in sectors like manufacturing and wholesale, growth isn't optional—it's essential. But growth requires capital. Whether it's investing in new machinery, expanding a product line, or securing a game-changing inventory deal, accessing the right finance is critical.
However, traditional business loans often come with their own set of challenges. They tend to be rigid, with slow approvals and inflexible terms that don’t align with the ambitious goals of growing businesses. This is where the need for a more adaptable financial solution becomes evident.
The challenges of traditional business loans
As a business scales, its financial needs become more complex. You might face challenges such as:
- Needing capital for a large purchase: Your current lender’s limits might be too low to support significant investments.
- Wanting to invest in new equipment: Managing cash flow while an asset becomes productive can be difficult.
- Finding a fast capital opportunity: Traditional loans often involve slow, one-size-fits-all application processes that can impede your growth.
These challenges highlight the importance of having a flexible finance partner who understands the unique needs of your business.
Introducing Fifo Capital’s upgraded business loan
At Fifo Capital, we believe your funding should be an enabler, not a roadblock. That’s why we’ve significantly upgraded our Business Loan, introducing a more flexible, scalable and supportive solution tailored for growing SMEs. Our upgraded Business Loan is designed to solve the exact problems that growing businesses face. We’ve expanded the features to provide the certainty to plan and the flexibility to act.
Key features: Higher limits, longer terms and flexible repayments
Here’s what sets our solution apart:
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Higher Loan Limits: $500K to $5M: We’ve increased our limits to back your biggest moves. This funding, backed by property security with competitive loan-to-value ratios (LVRs) up to 90%, is designed to support significant, game-changing investments.
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Longer, Flexible Loan Terms: Up to 36 Months: Move beyond restrictive short-term funding. With terms up to 36 months, you can structure your repayments in a way that aligns with your long-term strategy and revenue generation.
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Protect Your Cash Flow: Interest-Only Options: This is a key feature for growing businesses. Our flexible repayment options include the ability to pay interest-only for up to 12 months. This frees up vital working capital, allowing you to manage your cash flow effectively while you implement your growth plans.
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Certainty and Simplicity: Fixed Interest Rates: Budget and forecast with confidence. A fixed interest rate means no surprises, giving you the certainty you need for strategic financial planning. Plus, we don't charge early repayment penalties if you choose to pay your loan out sooner.
Real-world impact: Success stories from manufacturing and wholesale clients
Consider a manufacturing business that needed to invest in new machinery to increase production capacity. Traditional lenders were unable to provide the required funds quickly. With Fifo Capital’s upgraded Business Loan, they secured $1M with a flexible repayment structure. This allowed them to purchase the machinery and ramp up production without straining their cash flow.
Another example is a wholesale company that identified a lucrative opportunity to secure a bulk inventory deal. Their existing lender's limits were too low, and the approval process too slow to capitalise on the opportunity. Through Fifo Capital, they obtained a $2M loan with interest-only payments for the first six months, enabling them to seize the deal and boost their revenue significantly.
Ready to grow your business?
If you’re an established Australian SME, particularly in manufacturing, wholesale, or distribution, and have a clear vision for growth, Fifo Capital’s upgraded Business Loan could be the perfect fit for you. We work closely with businesses and their trusted advisors, including commercial loan brokers, to structure deals that make sense.
Don't let rigid finance dictate your growth trajectory. With Fifo Capital’s upgraded Business Loan, you get a powerful, flexible tool designed to help you scale. Ready to unlock your business's potential? Get in touch to discuss your needs: 1300 852 556 or visit www.fifocapital.com.au.
Learn more about our business loans on our website.
By offering tailored financial solutions that address the specific pain points of growing SMEs, Fifo Capital positions itself as a trustworthy and supportive partner in your business's growth journey.
Lending criteria, terms, conditions and fees apply. See disclaimer.
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