Finance that’s built for business

Business loan interest rates

Competitive rates, starting from as low as 7.5% per year & 0.0465% per day.  

Funding up to $2M.

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Good businesses need better finance

Current interest rates at Fifo Capital

Our rates start at 7.5% per year and 0.0465% per day.
But our real value extends far beyond numbers.

We understand the challenges you face in managing cash flow, and that’s why we are dedicated to empowering businesses like yours to overcome them head-on. 

With our support, you gain access to the crucial working capital needed to fuel your growth, seize opportunities, and achieve the success you envision.

Partnering with SMEs for greater certainty

As a trusted partner for SMEs, Fifo Capital is here to provide you with the financial solutions and support you need to confidently navigate uncertainties.

Count on us for consistent rates that ensure your financial stability and predictability.

We work closely with you, understanding your unique situation, goals, and challenges. This allows us to tailor funding options specifically for you and provide personalised guidance along the way.

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Calculate your financial needs

Look beyond rates and experience the complete package with us.

We offer improved cash flow, new opportunities, and sustainable growth through custom financing solutions.

Discover better ways to finance your business and unlock its full financial potential with Fifo Capital as your trusted partner.

Get a personalised quote

Pre-approval up to $2M in 24 hours*

Our financing is tailored to your unique needs, going beyond traditional loans, so we need to work with you to start the process.

To begin, simply submit your details and our team will reach out and work with you to find the right solution, providing pre-approval in just 24 hours.*

How business loan rates work

Understanding how business loan rates work is essential for making informed financial decisions. 

How interest rates function

Business loan rates represent the interest percentage charged by the lender on the loan amount. Here’s how they work:

Annual Percentage Rate (APR): Typically expressed as an APR, business loan rates encompass both the interest charged and any additional fees, providing a standardised comparison of different loan offers.

Daily Percentage Rate (DPR): Some lenders disclose the DPR, especially for short-term access to funds or cash-on-demand finance options like invoice finance. The DPR reflects the daily interest rate applied to the remaining loan balance, helping calculate costs for short-term or variable interest rate loans. Borrowers can estimate daily interest expenses and plan repayment strategies using the DPR.

Loan amount and repayment period: The interest rate can be influenced by the loan amount and repayment period. Larger loan amounts or longer repayment periods may lead to higher interest rates.

Factors influencing interest rates

Several factors influence business loan interest rates. Being familiar with these factors can help you navigate the loan application process and potentially secure better rates for your business:

Creditworthiness: Lenders consider your business and personal credit history to assess your repayment reliability. A strong credit profile can increase your chances of securing lower interest rates.

Financial health: Lenders evaluate your business’s financials, including revenue, profitability, and cash flow. A healthy financial position can positively impact the interest rates offered.

Loan collateral: Providing collateral, such as property or equipment, can affect interest rates. Collateral reduces the lender’s risk and may lead to more favorable terms.

Industry and market conditions: The industry your business operates in and prevailing market conditions can influence interest rates. Some industries may be considered riskier, leading to higher rates.

Negotiability of interest rates

While not all lenders offer negotiable interest rates, it’s worth exploring the possibility with those who are open to negotiation. Consider the following when negotiating interest rates:

Financial strength: Showcase your business’s strong financial position, including positive cash flow, healthy profit margins, and consistent revenue growth. This can strengthen your negotiation position.

Creditworthiness: Maintain a solid credit history, both personally and for your business. A good credit score demonstrates your ability to manage debt responsibly and may lead to more favourable rates.

Loan comparison: Research and compare rates from multiple lenders. This will provide you with leverage during negotiations and help you secure the most competitive terms.

Professional assistance: You may wish to consider working with a financial advisor or loan broker who can provide guidance and negotiate on your behalf. Their expertise can increase your chances of obtaining better rates.

Remember, the negotiation of interest rates may also depend on market conditions and the lender’s policies. It’s important to be prepared, present a compelling case for your business, and explore all available options to secure the most advantageous interest rates for your business loan.

Trusted finance partner to SMEs

We take a holistic approach to lending and dedicate the time to truly understand your business.

We recognise the unique challenges faced by Australian SMEs, and that’s why we provide tailored solutions designed specifically to address your needs.

Our goal is to empower your business with sustainable financing options that not only improve cash flow but also provide the flexibility to support your growth.

Imagine the possibilities that await when you partner with us:

  • Improved cash flow
  • New opportunities
  • The ability to drive sustainable growth directly from your bottom line

With our expertise and custom finance solutions, we’re here to support you at every stage of your business journey.

Contact us today to learn more about how we can help you grow your business.

Get a personalised quote

Invoice Finance

Trade Finance

Supply Chain Finance

Business Loans

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

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.

Talk to our team

Compare our flexible finance facilities

Invoice Finance

Overdue invoices can be a massive stress on any business.  In fact, in 2021, 48% of invoices issued by Australian small businesses were paid late. Don’t wait for your customers to pay you. Reduce your stress and improve your cash flow, by tapping the funds in your unpaid invoices.

  • Funding up to $2M
  • Up to 90% in advance, maximum 90 day terms
  • Rates from 0.0465%* per day, 7.5% per annum^
  • Fast approval, funding in as little as 24 hours, up to $350K. Or as little as 1 week to establish finance $350K+
  • Off-balance sheet finance
  • Option to keep funding undisclosed

Trade Finance

Get on top of your trade costs and increase your margins.

Extend your supplier payment terms and pay deposits or pre-shipment payments and more, with up to 210 day terms, on local and international trade.

  • Funding up to $2M
  • 100% in advance, maximum 210 days
  • Rates from 7.5% per annum* 
  • Fast approval, funding in as little as 24 hours
  • Fund deposits, pre-shipment payments and take advantage of early payment offers
  • Option to keep funding undisclosed 

Supply Chain Finance

Strengthen your supply chain and your business. Take advantage of early payment options, supplier discounts, buy now, pay later funding — and more.

This form of off-balance sheet financing can really take your business to the next level.

  • Funding up to $2M
  • 100% in advance, up to 90 day terms
  • Rates from 7.5% per annum*
  • Fast approval, funding in as little as 24 hours
  • Supplier early payment option
  • Off-balance sheet finance

Business Loans

Access a short-term business loan to secure the funds you need, fast.

Whether you need to bridge a funding gap, top up your existing loan, or take advantage of a new opportunity.

  • Funding: Up to $350K
  • Terms: 3-18 months
  • Rates from 12%. per annum*
  • Fast approval, funding in as little as 24 hours
  • Option to keep funding undisclosed


Working capital finance vs traditional bank loans


  • Fast access to cash: Working capital loans can provide businesses with quick access to the funds they need to cover immediate expenses and seize growth opportunities.

  • Flexible terms: Working capital loans can be customised to meet the specific needs of your business, including repayment period and borrowing amount.

  • Revolving funds: Working capital loans can be used as a revolving facility, allowing you to continuously borrow and repay funds based on your business’s performance. This can help fix cash flow problems and provide a reliable source of funding. By understanding and leveraging this concept, you can optimise your cash flow and fuel the growth of your business effectively.

  • Boost your bank loan with working capital financing: Use working capital loans alongside traditional bank loans to enhance security and expedite business growth.


  • Higher interest rates: Working capital loans often have higher interest rates compared to traditional bank loans. However, the interest you pay is directly related to the amount you utilise.

    While the rates may be higher, the actual cost depends on the usage, and the value of having access to cash on demand makes it a valuable investment for your business.

  • Lower borrowing limits: Working capital loans may have lower borrowing limits than traditional bank loans.

  • But when working capital loans are used as revolving funds, they can provide access to higher levels of financing based on the performance of your business. This means that as your business grows and demonstrates strong financial performance, you can tap into increased funding resources.

How our finance works

Unlock the power of working capital to fix your cash flow problems for good. Our solution provides the means to effectively manage your cash flow, ensuring stability and growth for your business.

Things you should know

Rates are indicative only. Rates are subject to market conditions and individual application qualifications, including the lending period, loan type, credit score, purpose and loan to value.
^Up to 7.5% per annum as a flat fee against the value of the invoice/s, determined by when the debt is paid.

Unlocking the power of revolving funds

Imagine the potential of a $400K facility on 60-day terms, providing six times the funding in a year for a total of $2.4 million. Take it even further with a $2M facility on 90-day terms, granting access to approximately $8M within a year. Experience the flexibility and scalability that revolving funds offer to supercharge your business growth.

Talk to our team to find out more.

Frequently asked questions

At Fifo Capital, we offer a range of financing options to support your business’s funding needs. Our lending limits typically range from $100,000 up to $2 million.

The specific amount you can borrow depends on factors such as your business’s financial health, creditworthiness, collateral to borrow against and your funding requirements.

We work closely with you to determine the best funding solution that aligns with your goals.

The deposit requirements for a business loan can vary depending on the type of financing and specific criteria.

We understand that traditional deposit requirements may not be suitable for every business. That’s why we provide flexible funding options, including recurring fund options, to address working capital needs.

Our team will work with you to find the most appropriate funding solution while minimising deposit requirements.

A higher credit score generally indicates a lower risk of default and may lead to more favourable loan terms. However, the definition of a “good” business credit score can vary among lenders and credit bureaus.

At Fifo Capital, we take a holistic approach when assessing loan applications, considering factors beyond just credit scores.

We evaluate your business’s creditworthiness, financial stability, and growth potential to provide personalised funding solutions.

If you’re interested in exploring funding options or have specific questions, our experienced team at Fifo Capital is here to assist you.

Contact us to discuss your needs and take the next steps towards securing the financial resources to propel your business forward.

To enquire about our current interest rates and explore the financial solutions we offer, simply reach out to our team.

We are here to provide you with up-to-date information and guide you through the application process.

We believe in transparency and ensuring you have a clear understanding of the interest rates and terms associated with your funding options.

Contact us today to learn more and take the first step towards securing your business’s financial needs. With our efficient process, we can provide you with pre-approval in as little as 24 hours.

Take the first step towards custom financing

 Submit your details now and get a personalised quote

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