invoice factoring

Turn unpaid invoices into
immediate cash flow

Single-invoice factoring for business

4 Steps for one-off or regular cash flow

Invoice discounting, New Zealand

You invoice your customer for goods or services provided.

Invoice finance, New Zealand

We talk and take you through our fast verification process.

Invoice factoring solutions New Zealand

We fund you based on the value of the invoice/s.

Debtor financing Solution

Your customer settles payment of the invoice with us.

Fast track your business cash flow

Slow paying clients, unexpected cash flow bumps or unforeseen business opportunities – just some of the times where invoice factoring makes good sense for business success. We make it simple, fast and flexible.
Find out more and get in touch below.


  • Use us for one invoice or many – you choose
  • For invoice values between $5,000 and $1.5 million
  • No real estate security required
  • First time approval within 24 hours
  • Repeat transactions in as little as 4 hours
  • Simple set-up and hassle-free paperwork
  • No impact on your banking facilities
Apply Now

Why Fifo Capital for Business Success?

Smart products and fast turnaround is only half the picture. To get the best outcome, work with the experts who specialise in 360 thinking for small and medium business finance needs.

One on One Support

For the best result, relationships count. No call centres and multiple points of contact. Just one person who understands your business.

4 to 24 Hour Turnaround

Regular customers call and receive the required finance in as little as 4 hours. For new clients, we design a solution in 24 hours or less.

Partnering Your Bank

We work hand in hand with your banking relationship – for those times when traditional finance isn’t geared to meet your needs.

What our clients say

"Being a busy Asphalt/Construction company we were looking for cash flow solutions. Meeting with Dean from the Fifo group 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

"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

"Fifo factor has impacted very positively on cash flow, allowing us to focus on day-to-day running of our business. This, in turn, has allowed us to continuing growing sales. The service is extremely easy to use and no-fuss forms make applying simple."

− Packaging company

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

− Home services supplier

"Fifo Capital's efficiency is great - the next day the money was in my account. "

− Importer and wholesaler