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

Unsecured business loans Solutions

What the Equifax hack can teach SMBs about data security

| Blog, Business help | No Comments

In recent years, major hacking events from the heartbleed vulnerability in 2014, to the WannaCry ransomware attack earlier this year have highlighted the need for better cybersecurity. More than previous…


How alternative financing makes your small business more competitive

| Blog, Business help | No Comments

It’s common knowledge that business owners need to cultivate a good relationship with their bank if they hope to succeed in the long term. What many entrepreneurs aren’t aware of,…

cashflow solutions, New Zealand

SMEs need to think ahead to manage chargebacks

| Blog, Business help | No Comments

Cash flow problems are by far the most common cause of small business failure. Avoiding and managing those issues is one of the most important responsibilities that entrepreneurs have, and…

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