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 online cash flow solutions

import financing

Explore our range of business loans

Unsecured business loans Solution

Tailored to your business 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

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

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Business help centre

invoice finance

How to make your seasonal business viable

| Blog, Business help | No Comments

Understanding what it takes to keep your business afloat doesn’t sound like rocket science at first glance, but not all businesses work the same way financially. Some certainly can just…

Cashflow Solutions

How Elon Musk is taking on big oil

| Blog, Uncategorized | No Comments

In business as well as in the world at large, a few people tend to step up to oversee and catalyse major changes at pivotal moments in time. In the…

invoice Discounting, Auckland

Internet at the bottom of the world

| Blog, Business help | No Comments

High speed Internet plays a vital role in global business, and in New Zealand and Australia that Internet largely arrived in 1999 and 2000 with the Sea-Me-We3 Cable connecting Australia…

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. "