Scale your business - buy a client base
No Property Security

Insurance and KiwiSaver book funding.

Lending against the book value, not just income.

Registered financial adviser team to help you.

Ideal when you need funding for growth.
The Only Lender Serving This Market
Fifo Capital is the only finance company in NZ specialising in this type of lending – empowering advisers to grow via acquisition.
Double the size of your business
- Banks and other lenders don’t advance funds against client books – we do.
- That leaves many financial advisers growth aspirations unrealised.
- Unlike others, we regard the client book as a genuine security asset – not just the income it generates.
- $20,000 to $2 million.
Power Up Your Business and Get Ahead with Innovative Funding.

Use the Client Base to secure the deal, not Property
What could be a smarter way to finance your growth than a facility secured by the value of your client base?
FAQ's
Do I need my home as collateral?
No – this finance product is uniquely based on client base value alone.
How quickly can I access funds?
After assessment and approvals, funding can be completed within one business days.
Is this expensive?
No. Just because we do not have your property as security, it does not our costs are expensive. When considering the value a new client base will give you, our fees are more than reasonable.
Where do I go from here?
Give us a call! It’s that easy.
Growth by acquisition
Need Cash to Grow? Call us.
Why Fifo Capital
for Your Business Success
We are experienced professionals in 360 finance thinking, creating bespoke funding solutions to meet your needs. Our smart products and efficient services are just part of the package.
One on One Commitment
Work with an industry expert who is also the decision maker.
Get Quick Answers
No waiting – we give immediate answers and steps you through the process.
Partnering With Your Bank
We can work with your bank for those times when dual banking is best.
Who we have helped
“The Fifo Capital team have always been a great finance partner and have constantly provided us with flexible terms and fast approvals. We have been extremely happy with their service and would certainly recommend them to any others looking for finance.”
Manufacturer
“We are writing to thank you for the fantastic service you provided to our logistics business. We found your staff to be extremely knowledgeable about our industry, and your flexible repayment options enabled us to secure the funds we needed in a timely manner. Thank you.”
Transport logistics operator
“I am writing to highly recommend Fifo Capital for businesses like mine. I have been trading commodities for over 10 years and have used Fifo Capital to finance my business for the past few. Without fail, they always provide exceptional service. They have a great understanding of the market and are able to meet my needs.”
Commodity trader
“As a property investor I have been impressed with the quality of service Fifo Capital provides. They are knowledgeable, professional, reliable, fast, and understand my need to hold property while undertaking consent approvals. They are easy to work with.”
Property investor