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 discounting

What you need to know about organising your marketing campaign

| Blog, Business help | No Comments

Many business owners view marketing as an opaque, more mysterious version of sales. They assume that you can hire a good marketer, put them to work, and wait for the…

Multiracial contemporary business people working connected with technological devices like tablet and laptop, talking together - finance, business, technology concept

4 hacks for improving morale in the workplace

| Blog, Business help | No Comments

With all the catching up and reorganisation that has to take place in many businesses after the holidays, employees can start to feel demoralised and overstressed. If morale among your…

Invoice factoring

3 major challenges for modern digital businesses

| Blog, Business help | No Comments

Digital technology has revolutionised how many companies are structured and how they do business. These digital businesses are changing how businesses interact, how they’re organised, and how they reach consumers…

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. "