Invoice factoring

Our difference makes
all the difference

$5,000 to $1.5 million

Expert decision makers, one-on-one

When you’re looking for working capital fast you need to know two key things: first, you’re dealing with a trusted, reputable provider focused on business success over margin and second, your contact is an expert and a decision maker.

Fifo Capital is a leading provider of business finance solutions with deep pockets and expert finance skills at the ready to support for your cash flow and capital needs. With over ten years supporting clients of all industries from construction to retail, we get business – the challenges and the opportunities – and how to make good decisions fast.

We launched in New Zealand in 2005, and now operate from more than 70 Fifo Capital offices throughout New Zealand, Australia, england, Ireland and soon Canada. Our office managers are hand-picked, quality professionals who thrive on designing solutions specific to the needs of their clients. We keep things simple, fast and effective by ensuring our clients have access to one-on-one expertise; a point of difference that truly makes all the difference.

Privately owned, advocates of business and here when your business needs – one off or ongoing – Fifo Capital has the financial backing and nous for your immediate and short term needs.

Solutions for business success


Invoice Finance

Fifo Smart Loan

Business Loans

Fifo Flexi Pay

Early Payment

Fifo Stock Loan

Foreign Currency

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Debtor financing Solution

Meet our business leaders

Nigel Thomson

Managing Director

Nigel founded Fifo Capital in May of 2005 and operated the business in the same way as Business Partners do today. Since then, he has built the brand into a global network of more than 70 Business Partners operating in five countries. Nigel’s hands-on approach to business keeps him, and the business, grounded and able to effectively implement improvement when called for.
Previous business ownership and management experience includes those of a large Australian based franchise business, a small chain of Auckland childcare centres and a content marketing company.

Simon Thomson

Director, Operations and Risk

Simon worked with Nigel in the inception stages of Fifo Capital before moving into a business development role with a full-service factoring company, a role he held for more than 10 years. He has now completed a full circle and is back with Fifo Capital where his experience and skill set provide value and guidance to Business Partners and other team members across a range of business disciplines. As a former owner of an SME, Simon understands the importance of cash flow and working capital. He is tertiary qualified and has had international experience having previously lived and worked in Asia and Europe.

What our clients say

"We were experiencing rapid growth and we needed to process ahead of time to meet demands over our seasonal shutdown period. This creates huge pressure on cash flow which traditional banks have been unwilling to address. Fifo Capital’s invoice discounting has allowed us to keep a positive cash flow and meet the demands of our customers. All our requests have been met with the minimum of fuss and the process is very simple to use. I would happily recommend Fifo Capital."

− Health Foods and Supplements Business, Nelson

"We have been using the services of Fifo Capital for the past three years and have found the service to be highly professional, while still maintaining a personalised level of contact and support. It is often difficult to arrange short-term funding in a timely and efficient manner. Fifo Capital has been more than willing to assist with all of our requests and have certainly been an asset to our business. I have no problem in recommending any business to the services provided by Fifo Capital."

− Hardware Importer, Auckland

"We were looking for cash flow solutions. Meeting Fifo Capital and hearing of their services, we knew this was exactly what we were looking for. The meetings and procedures were quick and no hassle with extremely good follow up and excellent contact, each and every month. We are rapt we have made the connection and enjoy the no-hassle and positive moves towards the future. We would highly recommend their services to any company."

− Roading Construction Company, Christchurch

"Fifo Capital has provided short term finance to this company for the last few years. I have found them to be not only totally professional in their dealings and service, but also very personable and easy to contact when required. I would highly recommend their service, as they have a facility which at certain times is necessary to cover gaps in our cash flow."

− Distribution Company, Auckland

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

"Fifo Capital are co-operative and nothing is too difficult - I have a very good working relationship with them. They're excellent at what they do, open to ideas, easy to contact and quick to reply"