Small business loans

Fifo Express
Fast business loans

Online invoice finance

No registration fees

No debtor fees

No property security needed

No early repayment fees

How it works. Four easy steps.

Invoice discounting, New Zealand


Register – a 3 minute form – to get started, at no cost.

Invoice finance, New Zealand


We take a look and progress your application.

Invoice factoring solutions New Zealand


We get in touch and talk through your needs.

Debtor financing Solution


We advance the funds within 24 hours or less.

Apply and use Fifo Express as and when you need

No locked-in contracts, secured against your invoice (not property) and available one-off or on an ongoing basis. Fifo Express is designed for quick small business loans as and when the need arises.

We make it simple.

Just 3 minutes to get started…

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Fast, no obligation registration

Complete your online registration or call us on 0800 86 34 36
to speak to the team.

  • A simple 3 minute registration form to get underway
  • We’ll be in touch to verify your registration and get you set up
  • From initial application to funding your first invoice, we target 24 hours or less
  • All subsequent invoices uploaded online can be funded within 4 hours
  • No obligation registration – register and use Fifo Capital straight away, or as a tool for finance options in the future
  • Should we need to run a credit check to approve your registration, we will advise you before commencing.

What our clients say

"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

"I have found dealing with Fifo Capital great. The ability to turn debtors into cash has really helped our business, and allowed us to actually grow sales as you have the cash there when you need it to bottle more wine."

− Wine Producer, Nelson

"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