Invoice discounting a good fit

Our difference makes
all the difference

About us

Expert decision makers, one-on-one

When you’re looking for working capital fast you need to know two key things: (1) you’re dealing with a trusted, reputable provider focused on business success over margin and (2) 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, opened our doors in Australia in 2007 and following this success, expanded into the UK and Canada in 2018. Our 70+ Business Partners 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 and expertise
for business success

Fifo Single Factor

Invoice Finance

Fifo Smart Loan

Supply Chain Finance

Fifo Flexi Pay

Business Loans

Like to know more?

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Meet our business leaders

Nigel Thomson

Founder and Head Franchisor

Working with smart, progressive people to make a business all that it can be is hugely rewarding. Over the years Nigel has acquired and launched a number of businesses and through applying out-of-the-box thinking and working collaboratively with a network of clever business people, has enjoyed both the challenges and rewards of business success.

Neil McMillan

CEO, Fifo Capital Canada

Neil comes from an accounting and corporate finance specialist background having worked for many leading invoice finance companies in the UK, Australia and New Zealand. Prior to establishing Fifo Capital Canada, Neil was CEO for Fifo Capital’s Australian operations, and successfully spearheaded this operation to the largest and most successful in the group.


What our clients say

"Fifo Capital were an integral part of getting our business growth happening. Using them to provide cashflow whilst waiting for government funds to flow into the business meant we could expand at three times the rate; this growth then led to the business being able to gain other contracts due our size. They were extremely flexible about payment timings and on call whenever needed. Their ability to alter the level of advancements against invoices meant we only had to pay for the part we needed advancing. There is no way a bank would be that flexible or reasonable in their costs. I would highly recommend their services to any developing business."

− Environmental Company

"Fifo Capital easily met my short deadline and delivered exactly what he promised at a time when the growth of my business required our debtor funds to survive. Fifo Capital's support allowed our business to grow at a rate that would not have been possible without this funding facility."

− Packaging Company

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

− Wholesale 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."

− Transport Company