TIRED OF CHASING LATE PAYMENTS?
Improve cash flow with Fifo’s award-winning payables solutions
Our payables financing provides the cash flow boost your business needs, ensuring you can pay suppliers on time, maintain stock levels, and avoid financial stress.
Get Started with Payables Finance
Flexible Finance
To Fit Your Business
Quick Access to Funds
Up to $2M
Transparent Rates & Terms
And Expert Guidance
3,000 BUSINESSES TRUST FIFO’s HEAVILY-AWARDED WORKING CAPITAL SOLUTIONS
How it works
30-minute eligibility check
Speak directly to a payables expert. In just 30 minutes, you’ll know if you’re the right fit .
Get an indicative offer in 24 hours
We’ll give you an indicative offer in less than a day and show you how to use your facility.
Trade on your terms with a payables facility
Easily manage your supply chain finances and trade invoices with our efficient and easy to use payables financing facility.
Bridge Cash Flow Gap & Fund Business Growth with Payables
Payables finance is the ideal solution for businesses trading with other businesses. Simple, effective, and designed to keep your cash flow steady and support your growth. With access to 100% upfront, you can meet your financial obligations confidently and focus on what matters most — growing your business
Trade Finance Line of Credit
Flexible financing, 100% upfront funds, and terms up to 210 days.
Apply now5 Reasons Why Aussie SMEs Love Fifo’s Payables
Immediate Cash Boost:
With a facility in place, access up to $2M in funds on demand, against your payables, to meet your business needs.
Tailored Finance:
Customise your payables facility to match your business’s needs —whether it’s for supplier payments or offering more flexible payment options.
Effortless Operations:
Streamline supplier payments, enjoy flexible terms, and access 100% of your outstanding invoices in advance.
Take Control:
Manage your cash flow and secure the funding you need with confidence.
Expert Solutions:
Tell us your needs, and we’ll provide the right payables solution.
NEW WAY WITH
THE BANKS
Fast Funding
With a facility in place, you get the funding you need, when you need
Can take 6-12 weeks or even longer
Cash On Demand
Access cash when you need it most and only pay for what you use
Need to reapply for new funding
100% Confidential
Suppliers /customers won’t know when you’re using a payables facility
Stakeholders know you’ve used funding
Financial Partnership
We become your financial partners
Provide funds without support
Solutions focused
Understand your business and provide a solution to fit your needs
Product focused with rigid criteria
Access To Additional Funds
Simple to request more funds
Need to re-apply for a new loan
Find Out If You’re Eligible
Our specialist advisers are ready to help you understand how payables finance can benefit your business. We’ll guide you through the process and provide a tailored solution.
If you’re eligible for our payables solutions
Having payables and suppliers to work with is a great start!
How much funding you can borrow
from $100K-$2M
How to receive an indicative offer in just 24 hours
with a simple eligibility criteria checklist
How to use working capital to fuel growth
arm you with simple payables strategies to manage your finances and grow your business
How to use working capital to fuel growth
discover financial control like never before
Is Fifo Right For Your Business?
You Have An Exciting Business Opportunity You Want To Fund ASAP
Don’t let a shortfall in cash flow stop your business from growing. A revolving line of credit offers SMEs the flexibility to borrow as much or as little as they need, so you can win more projects as they arise.
Flexible finance boosts SME business
Fifo has been an important part of our international marketing strategy and the flexibility of their systems has meant that we were able to win a lot more projects.
You’ve Been Rejected By The Banks Because They Don’t Understand Your Business
Banks have rigid and slow lending processes which could take months to get approved. A revolving line of credit allows SMEs to avoid cash flow gaps and ensure that they have the funds on demand to operate their business.
Funds our growth and de-risks exposure to bad debt
Banks can only do so much. Fifo Capital bridges the gap between what we need to fund our growth, and to de-risk exposure to bad debt. I look back and I wonder what we would have done without it.
You Need To Inject Cash Flow Into The Business To Balance Late Client Payments & Pay Suppliers
Access to funds on demand gives you the ability to use cash where you need it more. Whether it be to pay invoices, win projects or pay suppliers, trade on your terms and alleviate financial stress.
Ease cash flow pressureBanks can only do so much.
Fifo Capital’s finance makes a huge difference when it comes to easing cash flow pressures but also increasing purchasing power with suppliers. We will be able to negotiate terms on our end and receive discounts, which will help improve the bottom line.
You’ve Got A Unique Funding Situation And The Banks Won’t Help You
Don’t settle for one-size-fits-all finance solutions that are not suited to your business needs. We’ll work with you to custom tailor a funding facility that helps you unlock your full potential and achieve your goals.
Out of the box solutions
It has been very easy and smooth dealing with Fifo Capital and team. They are experts in providing out of the box solutions to my clients. Keep the good work up!
Frequently asked questions
Get an indicative (pre-approved) offer within 24 hours, and go from application to approval and funding in just 7 days for funding requests up to $500K. For larger funding needs between $500K-$2M, we work to establish the necessary arrangements to power up your cash flow, which may take a little longer but the results are worth it. Once approved, gain access to same-day funding, in as little as 4 hours, providing you with cash on demand funding.
We offer a revolving line of credit between $100K-$2M for eligible customers. The factors include financial history, business turnover, and we also do an analysis on the opportunities you’ve got in front of you. Our proven track record of successful funding transactions and satisfied clients demonstrates commitment to providing flexible and tailored funding solutions.
Short answer: we are competitive. Long answer: how long is a piece of string? Because every business has different requirements, our lending capabilities and fees can vary as we create bespoke solutions, tailored to your business. We don’t have a flat fee like banks, but we also don’t shoe-horn you into a finance product that isn’t custom to your business. Our fees are tailored to your business needs, ensuring that you only pay for what you use. This helps you manage your costs more effectively and take the cost from the bottom line to grow your business, giving you greater control over your finances and growth.
To apply for a revolving line of credit, you’ll need to provide the following documents: – Proof of business registration (ABN or ACN) – Financial statements (profit and loss statements and balance sheets) – Bank statements showing your business transactions – Tax returns – Details of any outstanding loans or debts Our team of experts will guide you through the application process and help you gather the necessary documents for a revolving line of credit. We provide exceptional customer service and are always available to answer your questions and provide support throughout the funding process.
Generally, you’ll need: – A registered Australian business with an active ABN or ACN – A minimum annual turnover of $1M – BTo have been operating for at least 12 months We’re inclusive in our eligibility requirements, considering a range of factors beyond just credit scores and financial statements. We won’t waste your time if we can’t help, and our experts provide clear information to determine eligibility. Our streamlined process can get you an indicative offer in just 24 hours.
If you’re eligible for funds and we cannot get you an indicative offer in 24 hours, we will give you $500 in cash and say ‘sorry for wasting your time’. It’s that simple.