Fast, flexible finance

How our funding works

Finance that’s built for business.

Funding up to $2M.

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How we work is simple

At Fifo Capital, we take the best parts of traditional finance, and add to that — fast turnarounds, flexible terms and generous facilities. 

Using your payables and receivables, we provide access to early payments, allowing you to keep running your business and maximise your working capital and access the funds you need, when you need to.

You repay us via agreed terms. And that’s it. 

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No messing about

We focus on delivering the best solution for your business, and getting you the funds as fast as possible. No drawn out processes or delayed approvals. 

No unnecessary new debts

Where possible, we try to find solutions that use your working capital, rather than going straight for your personal assets. If we can avoid creating a new debt and keep the funding tied to the performance of your business, we will. 

No hidden costs

We offer fair rates, clear terms and no hidden fees. Our costs are always transparent, so there are no nasty surprises or unexpected charges. 

How we process your funding request

Our pragmatic approach ensures a speedy assessment of your funding request. Throughout the entire funding application process, we work closely with you, providing regular updates and transparent communication so you can always stay informed.

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Our process

Step 1.

We assess your eligibility

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’s circumstances.

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Step 2.

Identify the right solution

Once we’ve established your eligibility, and the amount of funding you require, we will allocate your funding request to a solutions specialist or business partner.

For Fast Track Finance, funding up to $500K, our team will provide an assessment on your circumstances and make an indicative offer within 24 hours, and have you funded in just a week. 

For Custom Built Finance Solutions, our team will provide an initial assessment of your circumstances and make an indicative offer within 24 hours. Once you accept the offer, we will work closely with you to custom build a finance facility tailored to the specific needs of your business. This process typically takes 2-3 weeks to complete, ensuring that you have the right funding solution in place to support your long-term goals.

Step 3.

You get the funds

Once the offer is accepted you will receive your funds in 24 hours.

Step 4.

Repay on your terms

Pay back your balance in line with the terms of your offer. If you have a good month and wish to pay back sooner, you can. 

We will continue to work with you throughout, and we’re only ever a phone call or email away.

Step 5.

Top up as you need to

Need more funds for your business? No problem. With Fifopay, you can easily apply for additional funds whenever you need them.

Simply reach out to your dedicated lending specialist or submit a request through our platform.

Once your facility is established, any recurring funds will be available on the same day.

This means you can focus on growing your business and seizing new opportunities without worrying about funding delays.

With our fast and efficient funding process, you can have peace of mind knowing that you have the flexibility to access the funds you need, when you need them.

Start making your working capital work, today

Get an indicative offer within 24 hours and access up to $500K in just one week.

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.

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How we work together

Our support goes well beyond our funding

We genuinely care about the businesses and clients that we choose to back. 

At Fifo Capital, we prioritise long-term relationships over short-term gains. And we pride ourselves on being able to help our clients to grow their businesses.

Our team will regularly check in with you and provide you with all the support you need. We can help you make the most of your working capital by providing information and guidance on different finance options, and new product features, that can all help strengthen and improve your business, while making your finances and your cash flow easier to manage.

This is all part of our mission to help businesses do more business.

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Frequently asked questions

We offer funding for businesses, anywhere from $50K up to $2M.

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.

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

About Fifo Capital

We're for business. For businesses of all sizes, and across all industries.

And we've made it our mission to improve the way Australian businesses do business.

Fifo Capital plays a critical role in Australia's commercial finance landscape. Led by some of Australia's most experienced alternative finance experts, we're proudly backed by Melbourne-based investment house, Wingate.

Since 2007, we’ve supported thousands of Australian businesses with more than $2B. And we're just getting started.



More than 3,000 SMEs and corporate businesses in Australia rely on our finance solutions. 



A respected advisor on alternative finance, we work in hand with the government and other bodies, to advocate for better ways to improve stability and fairness in the Australian financial system.



 We're constantly pushing the boundaries and delivering new ways to better support businesses. Through extended terms, best in class tech, new partnerships — we are 100% committed to delivering better outcomes for our clients.