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

What is your business personality_

Why choose Fifo Capital over a bank for invoice finance?

| Blog, Business help | No Comments

Finance is a big industry that is dominated by huge banks. In Australia, the main player is National Australia Bank (NAB). Despite being the biggest, however, they aren’t necessarily the…

building a team

Is your work challenging enough?

| Blog, Financial health | No Comments

When a lot of people think about their work goals, the first thing that usually comes to mind is making it out of the door as soon as possible on…

in partnership with our clients

How a free standby finance facility can save your business

| Blog, Business help | No Comments

Running a business inherently carries a significant amount of financial risk. What will you do if a client doesn’t pay on time? What if you lose a contract? What if…

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. "