Fast flexible finance options

Business Loans

Looking to grow your business?

Get a short-term loan up to $350K.

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Unlock your growth potential

As an Australian SME, you need the right funding partner to help you achieve your growth ambitions.

At Fifo Capital, we offer fast and flexible short-term loans that can give your business the boost it needs.

Versatile funding for your business

Our funding solutions can be used to expand into new markets, upgrade equipment, pay creditors or wages, or cover unexpected expenses. Whatever your business goals, we’ve got you covered.

Flexible loan terms for your convenience

We understand that every business is unique, which is why we offer loan terms as short as 3 months and as long as 18 months. With flexible repayment options, you can pay off your loan quickly and reduce overall loan costs.

Partner with Fifo Capital today and experience a funding solution tailored to your business needs

Good businesses need better finance

Take advantage of new business opportunities. Our short-term loans are designed to offer flexible and fast funding, so you can move fast, too.   

Talk to our team

Business Loans

What makes Fifo Capital different?

  • Our business loans are a great way to get a fast injection of funds into your business.
  • Shorter loan terms mean that you’re not tied to debt for longer than you need to be.
  • Our loans are based on your business, allowing you to secure funds using unpaid invoices, stock, equipment, or other forms of working capital.
  • Our team works closely with you to ensure you receive the best solution for your business.  

Who can apply?

To be eligible, your business must have been operating for more than 12 months, with an active ABN or ACN.

Also, your business must have more than $40K per month or $480K per annum.


Our rates start from 12% per annum*.

Apply now

Features & benefits

  • A simple, straightforward process with fast approval
  • Get an indicative offer within 24 hours and have funds in your account within a week
  • Maximise your cash flow with our financing options
  • Use your business as security, not your personal assets, where possible
  • Flexible terms ranging from 3 to 18 months
  • Get 100% advance on your approved amount

Things you should know

*Rates are indicative only. They are subject to market conditions and individual application qualifications, including lending period, loan type, credit score, purpose, and loan to value.

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

How a short-term 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-term financing for SMEs.

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

Taking advantage of new opportunities

Short-term 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

Purchasing inventory or supplies

A short-term 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

Financing small projects or upgrades

A short-term 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

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.


Frequently asked questions

We offer funding for businesses, anywhere from $50K up to $2M. For Business Loans we offer a maximum of $350K.

If you run a good business, that’s been operating for more than 12 months, and you have an active ABN or 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.

We offer two streams of funding: Fast Track Finance and Custom Built Solutions.

Designed for SME businesses, our Fast Track Finance allows you quick access to funding, up to $500K.

We specialise in providing fast and flexible funding solutions for businesses through our range of finance facilities, including invoice finance, supply chain 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-$2M — 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.

For businesses requiring fast access to larger funds, we can offer a combination of the two streams — by providing pre-approval up to $500K — in order to assist you to get the funds you need sooner. To get the ball rolling, get in touch with our team.

To start this process, simply get in touch with our team, or complete an application online using Fifopay.

Standard requirements are:
– ABN or ACN
– Financial documents

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

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.

How our funding works 

Experts in working capital

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