Business Loans

A term loan structured to the transaction – up to $5m secured against property, or up to $350k where no property is available.

Up to $5m
Facility size
6–60 mo
Term
Up to 90%
Maximum LVR
Up to $350k
No property required

Flexible Business Loans to Maximise Cash Flow and Fuel Growth

At Fifo Capital we provide flexible business loans tailored to Australian SMEs. A term loan is structured to the transaction, with flexible security options: secured against property, or on a general security basis where no property is available.

Where property is available we lend up to $5m over 6 to 60 months, with repayments structured as principal and interest, interest only, or a customised schedule matched to your cash flow. Where it is not, facilities run to $350k over terms to 18 months on a lighter document set.

Where a good business has a genuine purpose, we work to the deal rather than a bank template.

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
  • Property with available equity for facilities above $350k
  • A genuine business purpose and cash flow that supports the repayment
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$1.5m Business Loan
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$2.5m Business Loan
Manufacturer Doubles Capacity and Scales Operations with a $2.5M Loan.

Our business loan features

Fund Bigger Deals
Access facilities up to $5m where property security is available, over terms from 6 to 60 months.
No Property Required
Up to $350k over terms to 18 months, secured by director guarantees and a GSA, with a lighter document set.
Custom Schedules
Principal and interest, interest only, or a customised structure matched to your cash flow profile.
Flexible Repayments
Weekly, fortnightly, or monthly repayment options available.
Up to 90% LVRs
Leverage your property equity as security, with LVRs up to 90% by property type and region.
Any Business Purpose
Consolidation, ATO liabilities, working capital, equipment or funding an acquisition.

How our Business Loan works

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

We work with you to understand the funding need and the purpose, and determine what security is available - property, or a general security basis where there is none.

Step 2.

Agree and establish your custom loan schedule with our consultants, structured to your cash flow.

Step 3.

Funds are paid directly into the approved nominated bank account and loan repayments commence.

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

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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.
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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
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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
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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
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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.
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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.

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Finance that's built for your business

A specialist lender, not an off-the-shelf product. If the deal doesn't fit a traditional box but the business, security and exit make sense, we listen to the client's story and structure the right funding around the deal.

Where Fifo fits best

  • ✓Second mortgages
  • ✓An ATO liability to manage
  • ✓Working capital gaps
  • ✓Equity release from property
  • ✓Bridging transactions with a clear exit
  • ✓An acquisition to fund
Product detail

The parameters, in full

Option 1

Property-backed

Facility sizeUp to $5m
Term6 to 60 months
SecurityDirector guarantees and a GSA, plus property on a first or second mortgage
Basis of assessmentProperty LVR, GSA and balance sheet
RepaymentPrincipal and interest, interest only, or customised
PurposeAny business purpose
Option 2

No property required

For a client with no real estate to offer, a genuine purpose and a near-term need, a shorter horizon to repay or refinance, and cash flow that supports the repayment.

Facility sizeUp to $350k
TermTo 18 months
SecurityDirector guarantees and a GSA only
Basis of assessmentCash flow and GSA
RepaymentPrincipal and interest

Maximum LVR by property type

Applies to property-backed facilities. Calculated on total secured debt, including any prior-ranking encumbrances.

Property typeRegion1st mortgage2nd mortgage
ResidentialMetro90%85%
ResidentialRegional85%75%
CommercialMetro75%65%
CommercialRegional65%50%

Maximum LVRs are indicative. Second mortgage security is subject to the combined LVR and first-mortgagee enforcement buffers, and will require a Deed of Priority or confirmation of priority from the first mortgagee. Contact us for agricultural and vacant land positions. All facilities require an assets and liabilities statement and Director ID and KYC verification. Indicative parameters only; all facilities are subject to individual credit assessment and approval. Establishment, mandate and applicable third-party fees apply and are disclosed on offer.

Everything above, in a one-page summary you can send on or take into a client meeting.

Download the Business Loan guide

Frequently asked questions

How much funding do you offer?

Business Loans are available up to $5m where property security is available, or up to $350k on a general security basis where it is not.

What is the eligibility criteria for funding?
If you run a good business that has been operating for more than 12 months with an active ABN or ACN, we are in a good position to assist.

For facilities above $350k we will need property with available equity to secure against. Below that, we assess on cash flow and a general security agreement.

Speak to our team and we will advise based on your circumstances.
How long does this process take?

With a streamlined application process we can give you an indicative offer quickly and get funding to you soon after approval.

For larger, more complex facilities our team will structure a solution to suit the transaction, which takes longer to assess.

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 bank statements via bankstatements.com.au, and your ATO Integrated Client Account and Income Tax Account for the last 12 months. Property-backed facilities also require financial statements and a property valuation.

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