Business Loans

Access a flexible term loan up to $5m that gives you the money you need to seize new opportunities and grow.
1460470_Illustratedicons_Icon16-B_092822-cropped

Flexible Business Loans to Maximise Cash Flow and Fuel Growth

At Fifo Capital, we provide flexible business loans tailored to Australian SMEs, helping you access capital when you need it. Whether you need a short-term business loan for immediate working capital, or a longer-term cash flow loan to support growth, we make funding simple and fast. Our solutions include options ranging from interest-only loans for up to 12 months, through to structured term loans up to 36 months.

Our loans are all secured by a 1st or 2nd mortgage with LVR's up to 90% available.

If you are exploring flexible business loans to stabilise cash flow, invest in inventory, or unlock new opportunities, our team will tailor a loan to suit your needs.

How fast can I access funding?

Approvals can be streamlined with the right documents, with funding typically available soon after approval to meet urgent cash flow needs.

What terms and repayments can I choose?

Choose from short term interest only options for 3–12 months, or principal and interest over 3–36 months; and repayment schedule of weekly, fortnightly, or monthly. We have the ability to structure customer schedules to match your cash flow profile and suite your needs.

1460470_Illustratedicons_Icon16-B_092822-cropped

We fund businesses like yours

Minutes to apply online. Funds in 24 hours once approved.
You’ll need:
  • Active ABN or ACN
  • Operating 12+ months
  • A property with available equity to secure against the loan.

Our business loan features

Fund Bigger Deals
Access higher loan amounts from $500K up to $5M with generous terms up to 36 months.
Custom Schedules
Including interest only options for up to 12 months to help you manage cash flow.
Flexible Repayments
Weekly, fortnightly, or monthly repayment options available.
Fixed Interest Rates
Simplicity and peace of mind with fixed interest rates, making it easy to budget and plan.
Up to 90% LVR
Leverage your property equity as security, with competitive Loan-to-Value Ratios up to 90% to maximise funding and access better rates.
No Early Repayment Fees
Only pay for what you use without any financial penalties.

How our Business Loans works

We’ll custom build a Business Loan to suit your needs
Step 1.

We work with you to understand your funding need and determine the available property security to support your loan.

Step 2.

Agree and establish your custom loan schedule with our consultants.

Step 3.

Funds paid directly into the approved nominated bank account and loan repayments commence. Repay early at no additional cost.

See how we’ve helped thousands of Australian SME businesses grow

5-stars-4

How a business loan can help your business

Get the funds you need to seize growth opportunities and protect your business from unexpected cash flow gaps with our short to medium-term financing for SMEs.
1460470_Illustratedicons_Icon06-Opt01A_092622-1
Managing cash flow gaps

Cash flow issues are a common challenge for many small businesses. A short-term loan can provide a cash injection to help cover expenses and maintain operations.

Key benefits

  • Keeps operations running during leaner periods
  • Allows for business stability during cash flow gaps
2-2
Taking advantage of new opportunities

Business loans can enable SMEs to seize new business opportunities by providing the necessary funding, with expected returns exceeding the loan cost.

Key benefits

  • Provides funding needed to seize new business opportunities
  • Returns can more than offset the cost of the loan
3
Purchasing inventory or supplies

A business loan can be used to purchase inventory or supplies in advance of a busy period, such as holiday seasons or key sales periods.

Key benefits

  • Ensures sufficient inventory to meet customer demand
  • Can translate into increased sales and business growth
4
Financing small projects or upgrades

A business loan can be used to finance small projects or upgrades, such as updating equipment, renovating a workspace, or launching a new product or service.

Key benefits

  • Improves efficiency and productivity 
  • Positions the business for future growth and success

Award-winning business finance

Get the funds you need, when you need.
2-1
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.

What type of finance is best for your business?

Different businesses have different needs.

Our team will partner with your business, to help identify the best type of business finance for your needs.

We are committed to providing you with the funding you require promptly and transparently, without any hidden costs or complications.

Drawing upon the best aspects of conventional lending, we have enhanced our services to offer faster processing times, flexible terms, and favourable facilities for businesses with healthy financials.

Our solutions cater to businesses with various financial requirements, whether you need immediate cash flow assistance or professional guidance to advance your business finances.

We'll work with you to provide the funding you need, when you need it.

professional-office-4

Experts in working capital

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.

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

professional-office-4

Frequently asked questions

How much funding do you offer?

We offer funding for businesses up to $5M. 

What is the eligibility criteria for funding?
If you run a good business, that’s been operating for more than 12 months, and you have an active ACN — we will be in a good position to assist you.

Depending on the type of funding solution you require, the specifics may vary.

Talk to our team about which of our funding options can be best used to strengthen your business.

For short-term cash injections, such as selective invoice finance requests, then you will simply need the unpaid invoices and be authorised to engage on behalf of the business.

Speak to our team, and we will be more than able to assist and advise, based on your circumstances.
How long does this process take?

We specialise in providing fast and flexible funding solutions for businesses through our range of finance facilities, including invoice finance, trade finance, and business loans.

With our streamlined application process, we can give you an indicative offer within just 24 hours and get funding to you in as little as a week.

For businesses that need larger amounts of funding — $500K-$5M — we offer bespoke finance options through our custom built solutions. Our team will create a finance facility that best suits your business within 2-3 weeks.

To get the ball rolling, get in touch with our team.

How do I apply?
To start this process, simply get in touch with our team, or complete an application online.

Standard requirements are:
– ABN or ACN
– Financial documents

We only ever ask for the documentation we need in order to assess your business’ circumstances.