Backing business success

of business funded, and counting


Reliability counts - trusted and proven business finance.



First contact? Fast approval within 24 hours.



Expert help for Invoice Finance, Business Loans, Payment Terms.



Supporting business success for over 10 years.


Simple, Fast, Flexible Business Loans

We think 360. Whether you need fast one-off cash flow solutions or
expert thinking to give your business the financial tools for success,
we can help.

We are New Zealand’s invoice finance and small business loan experts

cashflow solutions

Instant cash flow solutions

import financing

Explore our business loans

Unsecured business loans Solution

Tailored solutions Request a meeting

Debtor financing Solution

How can we help your business?

Immediate cash flow need

One off, as you need it invoice finance for short term cash flow needs to help you through – payment in as little as 4 hours.
Find out more here

Short term capital injection

Realise a business opportunity or fund the purchase of stock. We think 360 and tailor to your business with our range of quick loans.
Find out more here

Foreign exchange currency

Whether it be a one-off currency conversion, or repeating long-term requirement, we have the best rates and process to meet your needs.
Find out more here

Designed for small business

  • No long-term contracts
  • First approval within 24 hours
  • Repeat transactions in as little as four hours
  • No impact on your banking facilities
  • Expertise and low-rates on foreign currency requirements
  • One-on-one expert support (not a call centre)

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Business help centre

invoice discounting

Can your business become an exporter?

| Blog, Business help | No Comments

As economies across the world become increasingly intertwined, it can feel suffocating for a small business to only operate domestically. Unreliable demand, stiff competition, or market saturation can make exporting…

invoice factoring solutions

Fifo Capital’s focus on customer satisfaction is a win-win

| Blog, Business help | No Comments

Customer satisfaction is the foundation of any business’ referral network. By focusing on providing consistently positive experiences for customers, businesses can develop mutually beneficial trust relationships with their clients. That…

Unsecured business loans Solutions

Keep your business from becoming a statistic

| Blog, Business help | No Comments

Turning an idea into a functioning enterprise requires foresight, planning, communication, investment, and time. By the time we’re ready to launch, we feel excited, relieved, anxious, and determined. The one…

What our clients say

"Fifo Capital being able to do one or two invoices only is a massive advantage for businesses looking for flexibility."

− Clothing manufacturer

"They were really good to get along with and everything they said they were going to do, they did. "

− Home services supplier