Fast-track your cash flow

Selective Invoice Finance

Turn unpaid invoices into instant funds
Funding from $10k to $1M+
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Why choose Selective Invoice Finance?

When it comes to fast-tracking your cash flow, invoice finance leads the way. Invoice finance puts you back in control – advancing up to 80% of invoice value same day* on one or more invoices. Whatever the reason…whether you need funds to start a new contract, pay wages, meet ATO obligations, or you simply need cash faster than your customers are willing to pay, invoice finance is the answer.

Instant Cash Flow: Raise the invoice, get paid same day.

Boost Business Growth: Access funds to grow.

Financial Control: Finance what you need, when you need it, without waiting 30, 60, 90 days or longer for customers to pay.

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Fast, flexible finance

There’s a lot to like about Fifo Capital Selective Invoice Finance! 24-hour facility set-up, same day payments, up to 80% of invoice advance and no fixed term contracts – it makes it the one of the best ways for businesses to get ahead.
Fifo Capital’s Selective Invoice Finance is one of the simplest ways for business to accelerate their cash flow.
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Do more with Fifopay

Access finance facilities up to $2M to boost your business cash flow and take control over when you get paid. 

Fifopay lets you add one or more invoices at a time, making it easy to access instant funds. With just a few clicks, you can seize new opportunities for discounts and growth, ensuring your business thrives. 

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Fast finance

Boost your cash flow using one or more of your unpaid invoices

Invoice Finance can work for most businesses

There’s no need for real estate security, or committing to long-term contracts

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Does my business qualify?

Eligibility
  • Business operating for more than 12 months
  • Active ABN or ACN
  • More than $10K in monthly turnover
  • Invoices with other Australian businesses, on trade terms
  • May co-exist with other bank loans already in place    

Working capital solutions for all types of businesses

Here at Fifo Capital, we offer flexible financing for B2B SMEs. If you meet the basic requirements below, we’d love to hear from you.

  • Your business has been operating for more than 12 months
  • You have an active ABN or ACN
  • You have outstanding invoices with other Australian businesses
  • You invoice after goods or services have been delivered

Contact us today for a tailored finance solution that works for you.

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

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How does Invoice Finance work?

Invoice Finance can dramatically improve your cash flow, and it’s a fast and flexible way to get the funding your business needs when it needs.
Step 1.

Send your customer an invoice

Step 2.

Upload the invoice to Fifopay

Step 3.

We pay the advance amount same business day*

How to apply for invoice finance?

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

Standard requirements for assessment are: An active ABN or ACN and supporting financials. 

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

Ready to make your working capital work?

Apply today!

Talk to our team to see whether we’re the right fit. Simply fill out the form and we’ll be in touch shortly.

Frequently asked questions

What do I need to be eligible for invoice financing?

To be eligible for invoice financing you must have an ABN or ACN and your business must have been operating for more than 12 months.

You will also need outstanding invoices with other Australian businesses that have already been delivered, and on trade terms.

How does Selective Invoice Finance work?
Selective Invoice Finance allows you to get paid for one or more invoices owed to you by your customers on the spot.

How Selective Invoice Finance works:
You invoice your clients as you normally would.

Then you upload the invoice into Fifopay and provide us with the details of the funds you’d like advanced.

Receive up to 80% of the value of your funded invoices upfront.
Your customers then pays the invoice in a collections account that’s set up in your name. The outstanding finance is then repaid and any excess is then paid to you.
Will my customers know that I’m using invoice finance?
We can offer both disclosed and undisclosed financing options, subject to credit approval.

Our team will work with you to recommend and tailor the best solution for your business, given your circumstances.
How do I access my funds?

Up to 80% of the value of your funded invoices is paid upfront, into your account.

You will also be given a Fifopay system account, where you can view your invoices and funding availability, request drawdowns and download reports and upload new invoices to fund against.

When the invoice is paid by your customer, we will pay you the residual monies, less our fees.

How do I lodge new invoices?
You will be given access to a Fifopay account, giving you full transparency over your facility. Upload invoices direct into the platform.

You can also view and manage your invoices, request drawdowns and access a variety of reports.
How long does the process take?
We can often process a new application in 1-2 days. Once your application is approved, we can fund same business day.


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

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. *Terms and conditions apply to all Fifo Capital finance facilities.