Good businesses need better finance

Working capital loans

Discover better ways to fund your business.

Funding up to $2M.

Apply nowLearn more

Control your cash flow, improve your business

When you use your working capital effectively, your business works better. It’s that simple.

Fast funding

Quick turnarounds, flexible terms and generous facilities for businesses with good balance sheets.

Top level service

We offer dedicated support and expert guidance to deliver you the right finance solution to fit your business. 

Who can benefit from working capital loans?

Working capital loans are ideal for SME businesses, especially those in their growth phases. These loans can help cover day-to-day expenses like inventory, payroll, rent, and other costs.

While working capital loans can benefit any business, certain industries are particularly well-suited for this type of financing. These include retail, manufacturing, wholesale, freight and logistics services, trucking, moving and storage, and service-based businesses.

These industries often have short-term cash flow requirements and may need quick access to funding to seize growth opportunities or manage unexpected financial challenges.

Get in touch with our team to learn more about our working capital loan options and how they can benefit your business.

Working capital loans vs. traditional bank loans

When deciding between working capital loans and traditional bank loans, here’s why working capital loans might be the better choice for your business:

1. Get Funds Quickly

 Working capital loans give you the green light within 24 hours and can put money in your account in under a week. Traditional bank loans, on the other hand, often take 6 to 12 weeks or even longer to approve.

2. Cash on Demand

Working capital loans let you access cash whenever you need it without having to go through the loan application process repeatedly. Traditional loans may require you to reapply every time you need more money.

3: A True Financial Partner

With working capital loans, you not only get money but also a genuine financial partner. Traditional lenders may leave you to figure out your finances on your own.

4: Access More Funds Easily

When your business needs extra money, working capital loans make it easy to request more funds without starting a new loan application.

5: Built for your Business

Working capital loans are a modern solution designed to keep up with your business’s pace, providing you with the financial flexibility you need. They are built specifically for businesses like yours, offering speed, privacy, and ongoing support to ensure your success.

Better finance for business

See how other businesses are using our finance solutions to level up and grow.  

Pros and cons of working capital loans


  • Fast access to cash: Working capital loans can provide businesses with quick access to the funds they need to cover immediate expenses and seize growth opportunities.

  • Flexible terms: Working capital loans can be customised to meet the specific needs of your business, including repayment period and borrowing amount.

  • Revolving funds: Working capital loans can be used as a revolving facility, allowing you to continuously borrow and repay funds based on your business’s performance. This can help fix cash flow problems and provide a reliable source of funding. By understanding and leveraging this concept, you can optimise your cash flow and fuel the growth of your business effectively.

  • Boost your bank loan with working capital financing: Use working capital loans alongside traditional bank loans to enhance security and expedite business growth.


  • Higher interest rates: Working capital loans often have higher interest rates compared to traditional bank loans. However, the interest you pay is directly related to the amount you utilise.

    While the rates may be higher, the actual cost depends on the usage, and the value of having access to cash on demand makes it a valuable investment for your business.

  • Lower borrowing limits: Working capital loans may have lower borrowing limits than traditional bank loans.

  • But when working capital loans are used as revolving funds, they can provide access to higher levels of financing based on the performance of your business. This means that as your business grows and demonstrates strong financial performance, you can tap into increased funding resources.

Unlocking the power of revolving funds

Imagine the potential of a $400K facility on 60-day terms, providing six times the funding in a year for a total of $2.4 million. Take it even further with a $2M facility on 90-day terms, granting access to approximately $8M within a year. Experience the flexibility and scalability that revolving funds offer to supercharge your business growth.

Talk to our team to find out more.

Get the right solution to fit your business

Fast Track Finance

Funding up to $500K

Designed for SME businesses, our fast track funding allows you quick access to funding. 

We offer flexible working capital solutions tailored to your unique business needs. Let us help you achieve your business goals.

  • Get an indicative offer in 24 hours and funds in a week with our fast application process
  • Rates from 7.5% per annum on invoice finance and 12% on business loans.* Other fees may apply

Apply now

Custom Built Solution

Funding $500K up to $2M

For businesses that need larger funding requests, we offer  custom built solutions, based on your business. 

To find the right solution to fit your needs, our dedicated solutions experts will work closely with you and step you through the process. 

  • Dedicated support with a solutions expert
  • Our team will devise a bespoke facility, to best suit your business, within 2-3 weeks 
Contact our team

Our finance facilities

Invoice Finance

Overdue invoices can be a massive stress on any business.  In fact, in 2021, 48% of invoices issued by Australian small businesses were paid late. Don’t wait for your customers to pay you. Reduce your stress and improve your cash flow, by tapping the funds in your unpaid invoices.

  • Funding up to $2M
  • Up to 80% in advance, maximum 120 day terms
  • Rates from 0.0465%* per day, 7.5% per annum^

Trade Finance

Get on top of your trade costs and increase your margins.

Extend your supplier payment terms and pay deposits or pre-shipment payments and more, with up to 210 day terms, on local and international trade.

  • Funding up to $2M
  • 100% in advance, maximum 210 days
  • Rates from 7.5% per annum* 
  • Fund deposits, pre-shipment payments and take advantage of early payment offers
  • Option to keep funding undisclosed 

Supply Chain Finance

Strengthen your supply chain and your business. Take advantage of early payment options, supplier discounts, buy now, pay later funding — and more.

This form of off-balance sheet financing can really take your business to the next level.

  • Funding up to $2M
  • 100% in advance, up to 120 day terms
  • Rates from 7.5% per annum*
  • Supplier early payment option
  • Off-balance sheet finance

Business Loans

Access a short-term business loan to secure the funds you need, fast.

Whether you need to bridge a funding gap, top up your existing loan, or take advantage of a new opportunity.

  • Funding: Up to $350K, terms 3-18 months
  • Rates from 12% per annum*
  • Access funds using existing assets or working capital 
  • Flexible short-term loans: No extended obligations, only essential funds 


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.

^From 7.5% per annum as a flat fee against the value of the invoice/s, determined by when the debt is paid.

Xero Small Business Insights Report, 2022

What our clients say

Innovative solutions for SME

“Fantastic team at Fifo Capital! Well done for your innovative solutions that are a clear winner with the SME market. My last experience for a customer in the construction industry was nothing short of amazing!”

Bernadine Geary | MD

Experts in ‘out of the box’ solutions

“It has been very easy and smooth dealing with FiFo Capital. They are experts in providing out of the box solutions to my clients. Keep the good work up!”

 Saroj Shah | Director

Read more client testimonials

Brilliant at understanding our business model

“Where most providers put us in the ‘too hard basket’ Fifo Capital were able to find a solution and deliver on it. Highly recommended.”

 Adam Dobie | CFO

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.

Talk to our team

Ready to make your working capital work?

Book a free 30-minute consultation with an lending specialist.  

Book an appointment

How our funding works

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 circumstances.

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 provide an indicative offer within 24 hours, and funding in as little as a week. 

Custom Built Finance Solutions, $500K-$2M, the process takes 2-3 weeks to establish your finance facility. Working in hand with our working capital experts, we will custom build a facility to meet the specific needs of your business.

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 it 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 additional funds? You can simply apply for new funds through Fifopay or through your dedicated lending specialist.

Access the Complete Guide to Working Capital Funding: 2023 Edition 

Read our guide to put your business ahead of the game.   

Frequently asked questions

A working capital loan is an ideal financing option for small and medium-sized businesses in Australia looking for quick and easy access to funds to manage their daily operational expenses.

Whether it’s covering payroll, rent, inventory or other costs, this type of loan can help businesses maintain cash flow and avoid disruptions.

In addition to short-term cash flow management, working capital loans can also serve as a long-term finance strategy. By revolving the funds, businesses can enjoy more certainty, peace of mind, and the ability to address ongoing cash flow challenges.

Australian SMEs can apply for a working capital loan by either working with a broker or going directly to a lender that offers this type of loan.

They will need to meet the lender’s application requirements and provide financial documents such as tax returns, bank statements, and other relevant documentation to assess their creditworthiness.

At Fifo Capital, we offer a streamlined and hassle-free application process, where we only ask for the documentation we need to assess your business’s circumstances and provide you with the best possible funding options. This is important because it allows us to tailor the loan to your specific business needs and ensure that the funds are being used effectively.

Once your application is approved, we’ll disburse the loan funds to your business account, enabling you to cover your daily operational expenses and manage cash flow effectively.

Whether you work with a broker or come directly to us, we’re committed to making the process as easy and straightforward as possible, so you can get the working capital you need to grow your business.

If you’re interested in learning more about our working capital loan application process and how we can help your business succeed, please contact us today.

Australian SMEs have access to different types of working capital loans, each designed to suit different business needs. Some of the most common types of working capital loans include:

– Unsecured working capital loans – These loans do not require collateral, making them a suitable option for businesses that cannot provide collateral or do not want to tie personal assets to the business.

– Short-term working capital loans – These loans typically have a repayment period of one year or less, making them ideal for businesses that need quick funding to cover short-term expenses, such as payroll or inventory purchases.

– Fast working capital loans – These loans can be approved and disbursed within a short period, making them suitable for businesses that require immediate funding to cover unexpected expenses or take advantage of new opportunities.

– Revolving working capital loans – These loans become like an embedded finance tool in your operations and are often factored in as a cost on the bottom line. They provide a reliable source of ongoing funding, giving businesses the flexibility to manage cash flow and take advantage of growth opportunities.

At Fifo Capital, we offer a range of working capital loans tailored to meet the unique needs of Australian SMEs. Our loans are designed to provide fast, flexible funding to help businesses manage cash flow, cover expenses, and grow their operations.

We offer funding for businesses, anywhere from $10K 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 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 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.

For businesses requiring larger funds, fast, 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.

Experts in working capital

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

Find a specialist

About Fifo Capital

Our mission is to make it easier for businesses to do more business. We offer a range of finance solutions that are designed to help you maximise cash flow and use your working capital more effectively. 

>$2 Billion

Backing more than three thousand Australian businesses. 

50+ specialist lenders

Our nation-wide network of working capital experts are ready to support you.