Find Out If You’re Eligible For Fifo Capital’s Cash On Demand In Just 30 Minutes 

Arrange a call with a solutions expert!
Discover how you can put an end to your cash flow problems for good. 

Find Out How Much In ‘Cash On Demand’ Your Business Is Eligible For

Access $100K-$2M

Funds in as little as 24 hours

Solve your cashflow issues

Pay invoices instantly

Arrange a call with a solutions expert!
Discover how you can put an end to your cash flow problems for good.

The New, Fair Finance To Solve Your Cash Flow Blocks Forever

Flexible Finance To End Your Cash Flow Issues

Stop relying on rigid, outdated bank loans that keep you trapped in a ‘debt cycle’.

Our cash on demand finance allows you to maintain cash flow and support business growth for the long term.

Pay Invoices On Time & Trade On Your Terms

Delayed customer payments causing a gap in cash flow?

Cash on demand is a revolving line of credit that gives you the power to trade on your terms. Pay invoices and suppliers whenever you need to, and take back control.

Access $100K - $2M Whenever You Need It

Do you feel stressed thinking about cash flow for that next project?
 
With Fifo’s revolving line of credit, you can quickly and easily take advantage of new growth opportunities as they arise. Now you can stay ahead of the competition and keep growing your business.

Arrange a call with a solutions expert!
Discover how you can put an end to your cash flow problems for good. 

Find Out How Much ‘Cash On Demand’ Your Business Is Eligible

BOOK A FREE 30-MINUTE STRATEGY CALL

Click the button to find out if you’re eligible, and how much finance you can get.

The Old Way Of Business Finance Is Dead

NEW WAY WITH

All working capital and cash flow problems solved

Access to cash on demand

Revolving line of credit for instant approval

Fast approval process

Flexible financial solutions suited to SMEs

Invoices paid faster

Suppliers paid on demand

Financial control to focus on business growth

OLD WAY

Trapped in a debt cycle

Short term band-aid fix

Rigorous 6-8+ week approval process

Personal assets used as collateral

Constantly requiring new loans

No financial partnership 

Rigid process, doesn’t support SMEs

Constant uncertainty surrounding approval

Is Fifo’s  ‘Cash On Demand’ Finance Right For Your Business?

BOOK A FREE 30-MINUTE STRATEGY CALL

Arrange a call with a solutions expert!
Discover how you can put an end to your cash flow problems for good. 

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.

Gerald Hynes

Managing Director, Sontext

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.

You’ve Been Rejected By The Banks Because They Don’t Understand Your 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. 

Dan Day 

Founder & CEO, Invisible Artists

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.

You Need To Inject Cash Flow Into The Business To Balance Late Client Payments & Pay Suppliers

Ease cash flow pressure

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.

CFO, NSW timber manufacturer

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.

You’ve Got A Unique Funding Situation And The Banks Won’t Help You

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!

Director, BrocFinance

Saroj Shah

Arrange a call with a solutions expert!
Discover how you can put an end to your cash flow problems for good. 

BOOK A FREE 30-MINUTE STRATEGY CALL

How We Compare

NEW WAY WITH 

Fast Funding

Know straight away whether it's the right fit

Can take 6-12 weeks or even longer

OUTDATED, TRADITIONAL LENDERS

Cash On Demand

Access cash when you need it most

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

Simple Application Process

Easy to get the cash required

Long, arduous process with lots of paperwork

Access To Additional Funds

Simple to request more funds

Need to re-apply for a new loan

Arrange a call with a solutions expert!
Discover how you can put an end to your cash flow problems for good. 

BOOK A FREE 30-MINUTE STRATEGY CALL

Custom Finance Solutions To Bridge Your Cash Flow Gap & Fund Business Growth

Trade Finance

For businesses that buy goods domestically or overseas

Pay before goods are shipped

Extend supplier payment terms while paying on time

Ease cash flow pressures

Invoice Finance

For businesses that deal with long customer payment terms

Get invoices paid on demand to improve cash flow

Use funds to win new projects or opportunities 

Trade on your terms and control financial position

Supply Chain Finance

For businesses with on-shore and off-shore supply chain partners

Increase gross margins

Negotiate better supplier terms

Pay suppliers on your terms, post-delivery, and on/before the due date.

Keep projects moving

Arrange a call with a solutions expert!
Discover how you can put an end to your cash flow problems for good. 

Find Out How Much ‘Cash On Demand’ Your Business Is Eligible

FIND OUT HOW MUCH YOU CAN ACCESS

Click the button to find out if you’re eligible, and how much finance you can get.

Book a free 30-minute “Cash On Demand” strategy session and chat with a solutions expert who will help you put an end to the cash flow nightmare forever. 

If you’re eligible for cash on demand 

Mininmum annual turnover is only $750K

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 de-risk your personal assets from business loans

don’t use your family home as security

How to use working capital to fuel growth

discover financial control like never before

Trusted By More Than 3,000 Businesses – Here’s What They Say…

Fantastic team at Fifo Capital!

Fantastic team at Fifo Capital!  Wayne Morris has clearly got his team right, with Mark Occhiuto at the helm of sales!  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!  Thank you

Bernadine Geary

Experts in providing out of the box solutions

It has been very easy and smooth dealing with FiFO capital & Team. They are expert in providing out of the box solutions to my clients. Keep the good work up!

Saroj Shah

The best customer service

I've dealt with a few companies in relation to working capital solutions in the past, and I must say, Fifo have the best customer service of the lot. It has been very easy to deal with.

Helped improve our bottom line

We will be able to negotiate terms on our end and receive discounts, which will help improve the bottom line.

Fifo Capital were able to find a solution and deliver on it

Great team at Fifo Capital. Mark Occhiuto was brilliant at understanding our business model, the industry we operate in and identifying a funding solution that would work. Simon and Wayne played key roles in driving a solution that was fit for purpose. Once the funding was in place, Belinda Coates has been nothing short of outstanding. The team talked about how easy the funding would be once it was in place and it sure is! Where most providers put us in the 'too hard basket' Fifo Capital were able to find a solution and deliver on it. Highly recommended. Thank you!

Adam Dobie

Highly recommend

Great service, great people, easy to work with. Highly recommend.

The finance makes a huge difference

The finance makes a huge difference when it comes to easing cashflow pressures, but also increasing purchasing power with suppliers.

Helping businesses grow

I will definitely be mentioning Fifo and their working capital solutions to all business owners that require a kick-start or assistance in growing their businesses. The process has been very smooth and all staff involved have been very helpful.

Arrange a call with a solutions expert!
Discover how you can put an end to your cash flow problems for good. 

Q. How quickly can I get an offer?

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.


Q. How Much Can I Borrow?

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.


Q. How Much Does It Cost?

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.


Q. What Do I Need To Apply?

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.


Q. Are There Any Eligibility Requirements?

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.


Q. What Happens If You Can’t Get Me Funds?

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.


Frequently Asked Questions

Competitive rates

** Pre-approval is subject to credit assessment and final approval based on our lending criteria. The actual amount and interest rate may vary based on the information provided.

*Once your facility is established, you can access funds same-day, up to your limit.



† The $500 offer is only available for eligible applications that don't receive an indicative offer within 24 hours. It is a goodwill gesture and doesn't guarantee future approval. Limit one offer per applicant, non-transferable.

‡ We offer flexible fee structures tailored to your specific needs, which may include utilisation fees. Our team works closely with you to ensure transparency and find the most suitable financing solution for your business.

BOOK A FREE 30-MINUTE STRATEGY CALLBOOK A FREE 30-MINUTE STRATEGY CALLBOOK A FREE 30-MINUTE STRATEGY CALLBOOK A FREE 30-MINUTE STRATEGY CALLBOOK A FREE 30-MINUTE STRATEGY CALL

Important things to know

We create you a custom financial plan using our three finance pillars. This allows your business to access necessary funds, address cash flow issues, and pursue new opportunities - anytime.

Fifo Capital Australia Pty Ltd, ABN 78 121 427 183 / ACN 121 427 183.

© 2023 Fifo Capital. All rights reserved.

Boost Resilience & Maximise Profits

30-minute eligibility check 

Speak directly to a solutions expert. In just 30 minutes, you’ll know whether we’re the right fit for your business and if you're eligible for funding. 

Custom facility built to fit your business

Once we've gathered the essential information, we'll design a custom solution that fits your needs.

Access cash on demand and trade on your terms 

With your facility in place, you can access funds in your facility—up to $2M—whenever you need them, with same-day access, and you only pay for what you use.

Best Trade Finance

WINNER

Best Business Loans

WINNER

Best Customer Service

RUNNER-UP

Funds were fast to arrive, customer service was #1!

Linh Nguyen

Co-founder & director, Scrub Lab

BOOK A FREE 30-MINUTE STRATEGY CALL

Arrange a call with a solutions expert!
Discover how you can put an end to your cash flow problems for good. 

Offered flexibility to win a lot more projects 

Hilary Holmes 

Founder, Holme Beauty 

Experts in working capital across industries 

Adam Dobie 

CFO, Latitude Real Estate 

  • Funds were fast to arrive, customer service was #1!

    The quality of customer service was number one. But the funds were also fast to arrive and easy to access. They were very understanding — they knew what we were doing and they were happy to increase funding when we needed it.

    Linh Nguyen

    Co-founder & director, Scrub Lab

  • Offered flexibility to win a lot more projects

    I think it’s relatable to feel ignored and unsupported by the big banks. We are just a number and they won’t extend themselves for our benefit. But Fifo has been stress-free and friendly way of supporting my business through a big growth phase.

    Hilary Holmes

    Founder, Holme Beauty

  • Experts in working capital across industries

    Brilliant at understanding our business model, the industry we operate in and identifying a funding solution that would work… Where most providers put us in the ‘too hard basket’ Fifo Capital were able to find a solution and deliver on it. Highly recommended. Thank you!

    Adam Dobie

    CFO, Latitude Real Estate

  • Ease cash flow pressure

    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

    CFO, NSW Raw Materials Manufacturer

  • Helping businesses grow

    Thanks to the incredible team at Fifo Capital. They have assisted us in scaling our business and have nurtured our growth over the past 14 years. I would highly recommend Fifo Capital to anyone who is looking for a finance partner who is transparent, flexible and without any hidden costs.

    Shaun Gamarra

    Director, Premier Distribution

  • Helped us win a lot more projects

    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.

    Gerald Hynes

    Managing Director, Sontext

  • Seamless working capital

    It has been very easy to deal with the team throughout, we have always been kept up to date and there have been no surprises. This level of customer service has been from day 1, right through and has meantthe process from application to set-up to use of the platform has been seamless.

    Saroj Shah

    Director, BrocFinance

  • Nurtured our growth over the past 14 years

    Thanks to the incredible team at Fifo Capital. They have assisted us in scaling our business and have nurtured our growth over the past 14 years. I would highly recommend Fifo Capital to anyone who is looking for a finance partner who is transparent, flexible and without any hidden costs

    Shaun Gamarra

    Director, Premier Distribution

  • A true funding partner

    The Fifo team has been amazing. They really took the time to understand our business and see it past the spreadsheet. Unlike other lenders, they have been a true funding partner for our business and have supported us through the good and bad. I would likely recommend Fifo to any business owners.

    James Wang

    CEO, JH Market

  • Contributed to our growth and continued success

    Fifo has supported Mastec for 4 years, and through this time we've found that their financial facilities to be an excellent complement to our core banking facilities. The Fifopay platform is exceptional and also very easy to use. Their team are very knowledgeable and flexible in the facility has contributed to our growth and our continued success.

    Michael Brixton

    Director, Mastec

We've funded over $2B to 3,000+ SMEs  

Fifo’s funding solution is built for Aussie SMEs looking to fund growth opportunities and stop cash flow challenges. Don’t just take our word for it, hear what our customers have to say…

DO MORE. WIN MORE. 
GROW MORE.

3,000 SMES TRUST US

Extend payment terms up to 210 days for trade finance

Competitive rates and adaptable finance solutions.

Access cash upfront from unpaid invoices and pending trade orders.

DO MORE. WIN MORE. GROW MORE.

Put an end to your cash flow problems for good

BOOK A FREE 30-MINUTE STRATEGY CALL
BOOK A FREE 30-MINUTE STRATEGY CALL

Take a more proactive and strategic approach to financing in just 3 simple steps