Maximise your working capital
Supply Chain Finance
Pay suppliers on your terms
Funding up to $2M
We pay suppliers, you get extended terms
With Supply Chain Finance, you put your payables to work, offering several key benefits for small and medium-sized businesses facing cash flow constraints and racing to make payments:
- Predictable Cash Flow: Plan and allocate resources more effectively.
- Smarter Buying Decisions: Negotiate better terms with suppliers.
- Extended Cash Retention: Keep cash in your business longer for more liquidity.
- Easy Access to Funds: Reduce financial uncertainty with ongoing funds.
- Better Supplier Relationships: Improve relationships by paying suppliers on time or early.
- Growth Opportunities: Use financial stability to invest in growth.
These benefits enhance your financial control, stability, and strategic flexibility, making Supply Chain Finance essential for your business’s success.
Speak to a specialistSee how others use it
Benefits of supply chain financing
Supplier payments are a major financial commitment for any trading business. So why not turn them to your advantage?
Our Supply Chain Finance solution is built to boost your cash flow and free up working capital. We pay your suppliers on time or early, while you get the advantage of extended payment terms.
- Strategic Advantage: We handle the payments, giving you the breathing room to make smarter, more strategic buying decisions.
- Extended Payment Terms: Extend payment terms up to 120 days at little or no cost, keeping more cash in your business and saving you thousands every year.
- Financial Health: Better cash flow means a healthier, more resilient business that runs smoothly, no matter what.
How supply chain financing works
At Fifo Capital, we offer easy-to-use solutions that are transforming the way businesses trade. Here’s how it works:
Invoice Approval: Once your supplier sends their invoice, you approve it for funding.
Early Payment: Your supplier gets paid on their terms, on or before the due date.
Extended Terms: If you settle within the agreed period, you can extend payment terms up to 120 days at little or no cost.
By providing early payments to your suppliers, you can save thousands of dollars each year, improve your financial health, and keep your operations running smoothly.
Why partner with Fifo Capital?
At Fifo, we get the challenges of managing working capital and cash flow. That’s why our payables solutions — Supply Chain Finance and Trade Finance — are built to fuel your business growth.
Tailored Solutions: We offer financing options that fit like a glove, specifically designed for Australian SMEs.
Win-Win for Everyone: Suppliers get paid faster, and you get more time to pay, creating a scenario where everyone benefits.
Expertise You Can Rely On: Partner with us and tap into the expertise that helps your business thrive.
Ready to take your business to the next level? Contact us to learn more about how Fifo Capital can support your business.
Supply Chain Finance
Use your payables to power your business with supply chain finance.
Supply chain finance is your ticket to better cash flow and smarter business decisions. By leveraging your payables, you can unlock early payment options and snag supplier discounts, putting more money back into your business.
It’s not just about keeping the lights on — it’s about powering growth and staying ahead. Plus, supply chain finance ensures your suppliers have the cash they need, reducing the risk of disruptions and keeping your operations running smoothly.
Eligibility
-
- Business operating for more than 2 years
- Active ABN or ACN
- More than $40K per month or $1M per annum turnover
Apply now
Features & benefits
- Buy now, pay later with 100% advance and up to 120 day terms
- Supplier early payment option
- Improve payment terms
- De-risk late customer payments
- Maximise your cash flow
- Option to keep financing undisclosed from suppliers
Do more with Fifopay
Access finance facilities up to $2M to boost your business resilience and take control over when you get paid.
With Fifopay you get fast access to working capital, empowering you to manage your cash flow effectively. With just a few clicks, you can seize new opportunities for discounts and growth, ensuring your business thrives.
Ready to make your working capital work?
How it works
With Supply Chain Finance, you can pay your suppliers more effectively, take advantage of bulk deals and other discounts. This isn’t just about paying bills — it’s about strategically financing your business to drive growth.
Step 1.
Upload your supplier invoice to Fifopay & select when you want the invoice paid
Step 2.
Use your Fifo facility to pay the invoice
Step 3.
Repay your Fifo facility up to 120 days after the invoice date
Finance with big benefits
Integrating Supply Chain Finance into your business unlocks better terms, strengthens supplier relationships, and fortifies your entire operation. With payables financing, your suppliers get paid faster, and you gain more time to manage payments, enhancing both your business and your supply chain.
This approach is often complemented by a Trade Finance facility, giving you even more flexibility.
Get startedHow our funding worksExperts in working capital
We offer professional guidance and tailored solutions to meet your business finance needs. Using our facilities you can change the way you do business for the better.
Stop worrying about your cash flow and get back to growing your business.
CONTACT USFrequently asked questions
Supply chain financing and invoice discounting are two financing options available to businesses. Here are the key differences between the two:
Supply chain financing focuses on financing the entire supply chain, from suppliers to buyers, and helps businesses manage their working capital needs. It allows buyers to extend their payment terms while ensuring suppliers get paid early, improving cash flow for both parties.
Invoice discounting, on the other hand, focuses on financing specific invoices or accounts receivable and can be used by businesses of all sizes. It allows businesses to obtain financing by using their unpaid invoices as collateral. Typically, the business receives an advance of 80-90% of the invoice value from a financing provider, with the remaining amount paid once the customer pays the invoice.
The choice between supply chain financing and invoice discounting will ultimately depend on the specific needs of the business. Supply chain financing is focused on managing cash flow across the entire supply chain, while invoice discounting is a more targeted solution for businesses looking to access cash tied up in their invoices.
Both supply chain financing and trade finance are financing options that can help businesses manage cash flow and improve their supply chain operations, but they differ in their focus and scope.
Supply chain finance is a funding solution that specifically targets the financing of supply chain activities, including inventory management, procurement, and logistics. It allows businesses to access working capital by using their existing assets as collateral, such as receivables, inventory, and purchase orders. By doing so, it provides the necessary liquidity to optimise supply chain operations and enhance business performance.
Trade finance, on the other hand, focuses on financing trade transactions, including the purchase and sale of goods and services, both domestically and internationally. It provides businesses with a range of financing options, including pre-shipment finance, post-shipment finance, factoring, and letters of credit. By using these financing options, businesses can manage cash flow, reduce financial risks, and take advantage of new business opportunities.
While both financing options provide similar benefits, they are suited to different types of businesses and operations. Supply chain financing is best suited for businesses that want to optimise their supply chain operations, while trade finance is ideal for businesses involved in importing and exporting goods and services.
At Fifo Capital, we offer both supply chain finance and trade finance solutions to help businesses improve their operations and financial performance. Our team of specialists can work with you to identify the best financing options for your business and provide expert guidance throughout the process. Contact us today to learn more about our financing solutions.
Supply chain financing and factoring are two financing options available to businesses. Here are the key differences between the two:
Supply chain financing: Focuses on financing the entire supply chain, from suppliers to buyers, and helps businesses manage their working capital needs.
Allows buyers to extend their payment terms while ensuring suppliers get paid early, improving cash flow for both parties.
Factoring: Focuses on financing specific invoices or accounts receivable and can be used by businesses of all sizes.
Involves a business selling its accounts receivable or invoices to a third-party factor at a discount.
Allows businesses to obtain financing without taking on debt, as the factor assumes the risk of collecting payment from customers.
Ultimately, the choice between supply chain financing and factoring will depend on the specific needs of the business.
While supply chain financing is focused on managing cash flow across the entire supply chain, factoring is a more targeted solution for businesses looking to convert their accounts receivable or invoices into cash without taking on additional debt.
We offer funding for businesses from $50K up to $2M.
If you run a good business, that’s been operating for more than 6 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 from $10K 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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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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