Maximise your working capital

Supply Chain Finance

Pay suppliers on your terms

Funding up to $2M

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Effortlessly scale your business

Don’t let cash flow problems hold your business back.

Supply chain finance is an effective financing option that provides significant benefits when applied responsibly.

By partnering with a trusted and experienced lender like us, you can access supply chain finance and avoid the risk of being the last to get paid.

With supply chain finance, all parties involved benefit from greater certainty and supply chain protection for larger businesses, and timely payments and cash flow solutions for SME businesses and individual suppliers.

Take the first step towards a more secure and prosperous future for your business – contact us today to learn more about supply chain finance.

Speak to a specialistSee how others use it

What is supply chain financing?

Supply chain financing is a type of financing solution that focuses on the entire supply chain, from suppliers to buyers.

It allows businesses to manage their working capital needs and improve cash flow by ensuring suppliers get paid early while buyers can extend their payment terms.

The unique benefit of supply chain finance for Australian businesses is that it is easy to use and can be tailored to the specific needs of SMEs and large enterprises alike.

With the ability to extend payment terms up to 120 days at little or no cost, businesses can save thousands of dollars every year, resulting in improved financial health and seamless operations.

How does supply chain financing work?

At Fifo Capital, we offer easy-to-use solutions that are rewriting the way businesses access capital. 

Once a supplier sends their invoice, the buyer approves it, and the supplier is paid on their terms on or before the due date. If the business settles within the agreed period, they can extend terms up to 120 days at little or no cost. 

By offering early payments to suppliers, businesses can save thousands of dollars every year, improving their financial health and keeping operations running smoothly. es supply chain finance work for Australian businesses?

Why partner with Fifo Capital?

Fifo Capital understands the challenges of managing working capital and cash flow, which is why our flexible supply chain finance solution is the perfect partner for your business growth.

Tailored to the specific needs of Australian SMEs and large enterprises, our financing solutions provide a personalised approach to meet individual business needs.

With our supply chain finance solution, suppliers can get paid early while buyers can extend their payment terms, ensuring a win-win situation for all parties involved.

Partner with us to take advantage of our expertise and help your business thrive. Contact us to learn more.

Supply Chain Finance

Unlock the true potential of your business with supply chain finance. 

Our supply chain finance provides you with the tools and resources you need to streamline your supply chain, protect your business from risks, and improve your financial performance.

Take advantage of early payment options and valuable supplier
discounts to maximise your cash flow and drive growth.
 
With more control over your finances, you’ll be able to make smarter decisions and seize new opportunities as they arise.

Don’t let your competitors get ahead – discover the power of supply chain finance and take your business to the next level. 

Eligibility

    • Business operating for more than 2 years
    • Active ABN or ACN
    • More than $40K per month or $1M per annum turnover

Rates

  • From 7.5% per annum*

Apply now

Features & benefits

  • Buy now, pay later with 100% advance and up to 120 day terms 
  • Supplier early payment option
  • Improve payment terms
  • Get approved and funded fast with us, up to $500K in just a week!
  • Larger finance facilities between $500K-$2M can be established in just 2-3 weeks
  • Existing clients can get their funds on the same day
  • 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

Supply chain finance is a better, debt free way to finance your business. 

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

Things you should know

*Rates are indicative only. Rates are subject to market conditions and individual application qualifications, including the lending period, loan type, credit score, purpose and loan to value.

Finance with big benefits

Bringing supply chain finance into your business, is one of the most powerful decisions you can make. Not only does this open up better terms, allow you to build stronger relationships with your suppliers, but it ultimately strengthens your business — and your supply chain.

Suppliers gain quicker access to money they are owed, buyers get more time to pay off their balances.

Get startedHow our funding works

Experts in working capital

Stop worrying about your cash flow and get back to growing your business.

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Frequently 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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