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

Instant online cash flow solutions

Explore our range of business loans

Tailored to your business Request a meeting

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

Payment plans for customers

Give your business longer legs for success and increase your sales with smart prepayment plans for your customers.
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
  • One-on-one expert support (not a call centre)
  • Or transact online – you choose

Like to know more?

Please leave this field empty.

Business help centre


Bringing accounting into the 21st century

| Blog, Business help | No Comments

Accounting has come a long way since it first kickstarted the invention of writing in ancient Mesopotamia, but the biggest changes to how accounting works have only just occurred in…


How the right financial partner can help you achieve more

| Blog, Financial health | No Comments

Unsteady “lumpy” cash flow isn’t just frustrating, it can stunt the growth of your business, or even force you to close your doors entirely.  Business finance services, like those from…


Increase productivity with 6 simple steps

| Blog, Business help | No Comments

If you’re finding your time is at a premium then it helps to increase productivity as much as possible. By following some simple steps you can ensure you’re getting the…

What our clients say

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

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