“I had spent the best part of 20 years in finance before joining Fifo Capital, but never had any exposure to factoring/debtor finance. So when I chose to move into business ownership in a new area of finance to me, a franchise made sense. You are working with experienced people who have a vested interest in your success.
The decision to join Fifo Capital has delivered beyond my wildest dreams. On the earnings front, by my sixth month in business I had already exceeded my goals for the first year and I hit the $1million mark in finance written for the month, in my 12th month. The average monthly business I have written for the last 12 months is $2.7M.
It has absolutely exceeded all expectations. We have changed our lives – the hours we work, a house by the beach. The buy in cost for us has been returned many times over.
But in saying that you only get out of it what you put into it. The fact that I had to go out and build the business was appealing. That’s the idea of business ownership; being independent and growing your own business. You do have to be a motivated self-starter in the Fifo Capital business, but the support is there when you need. The model, processes and support is fantastic.
Fifo Capital delivers and the only cap on your earnings is how much effort you want to put in.”
We help your clients in two equally important ways: (1) Through the fast (24 to 48 hour) delivery of required funds; and (2) By leading every transaction with one-on-one expert consultancy.
Designed for speed of response and flexibility, and supported by a comprehensive understanding of the security challenges businesses encounter throughout various stages of development and maturity, our finance solutions are designed for finance needs between one and 12 months.
Suitable for clients requiring assistance for ad hoc cash flow challenges that demand fulfilment within 24 to 48 hours. No fixed term contracts; secured by the value of the invoice/s; and for finance periods between one and three months. Click here for our Invoice Finance Solution Guide.
Suitable for clients who have a growth or operational need that requires a capital boost for a period of three to 12 months. Typically, a client has reached their traditional security limit with their bank and is seeking alternative options. Through analysis of business-performance, we identify a complement of security that appropriately services the finance required. Click here for our Business Loan Product Guide.
Suitable for clients who either provide large one-off services or products to clients, or who want to attract new clients through cash-flow-friendly payment options. Fifo Capital payments plans enable a client to offer their customers a payment schedule for between three and 12 months. Click here for our Payments Plan Solution Guide.
We also provide:
Fifo Capital partners with leading international payments specialists HiFX to provide clients with a simple, secure way to send and receive international payments at preferential foreign exchange rates. Services include: Exchange Contracts; Spot and Forward; Multi-Currency Accounts; Market Orders and Currency Options. Click here to find out more.
With over 10 years supporting businesses, we know the value of expert, one-on-one consultancy. While new technology has spurred the advent of finance-online, we’re committed to pairing clients with a finance expert. Of course, we’ve embraced technology to hasten our processes and response times, and to continually enhance the experience for our clients. But the complexities of business finance, do and will continue to, require one-on-one interaction with an expert to achieve the best result, specific to the client’s needs. The value is in the results.
Fifo Capital Partners and their clients are supported by a range of benefits, including complimentary copies of Headway Magazine, and access to Fifo Capital Knowledge Centre assets.
The Fifo Capital quarterly magazine, which explores a range of relevant business themes at a macro level as well as practical insight for business owners. Accredited Partners are provided the opportunity to co-brand the magazine as a client-value add publication and for new business development marketing.
Access the comprehensive knowledge-base of client-facing finance guides, eBooks and other resources. Incorporate, professional, relevant content in your regular client and prospect communications.
Our finance experts work in concert with professional services partners – accountants, bank managers, business brokers – to identify the most appropriate solution for client needs.
To the extent that you wish to and which is appropriate for the client, we work with you to identify the short-term solution that supports longer terms business objectives.
We understand the need for immediacy and fast response. Whether a simple query or a transaction, we are available for your client’s needs on the day they arise.
We respect the relationship you have with your client and support that via open communication throughout.
If you ever need to review potential solutions, or talk through the tricky detail of a client scenario, we’re an expert sounding board. Our expertise is freely offered, complimentary and with no-obligation attached.
Fifo Capital provides short-term finance for business. Clients use our services to: (1) solve immediate cash flow challenges, and (2) to access capital needed to secure new opportunities or for business operations. Since 2004, we have established more than 70 offices across New Zealand and Australia, and provided business owners with over $850 million in growth capital.
Central to the solutions we provide is one-on-one consultancy. Our network of finance experts, meet with clients and spend time understanding their business in order to deliver a purpose-fit solution; a solution that solves the immediate finance need, and which is suitable for both the short and longer term success of the business. The complexities of business finance demand the one-on-one approach, and we continually see the value of this in the success of our clients.
Clients seek the assistance of Fifo Capital for a short period of time when their bank is unable to help. Often this is due to their finance needs outpacing the traditional security options available; or where their need requires a response time that cannot be met by their bank. As Fifo Capital finance solutions are designed for these immediate short-term requirements, we can ‘solve the gap’ quickly for the window of time that the client falls outside of their bank’s criteria, for the specific finance need. Working in tandem with mainstream facilities ensures that clients can access funds for short-term business needs, without impacting the ongoing relationship with their bank.
Very few businesses faced with an immediate finance need are best served by a vanilla solution. Our experience has highlighted that the value of a business finance expert tailoring a solution to a client’s specific needs is immeasurable. Our business finance experts are highly experienced, and have a wealth of knowledge about the mechanics, complexities and unique challenges and opportunities of different industries. This knowledge, coupled with one-on-one consultancy, means our experts are adept at quickly identifying purpose-fit finance solutions for clients.
Please read these Terms & Conditions before using this site
Other applicable terms
Our Anti-Spam Policy which sets out information about our anti-spam endeavors.
Information about us
www.fifocapital.com.au is a site operated by Fifo Capital International Ltd (“We”). We are registered in New Zealand under company number 3856796 and have our registered office at 170 Parnell Road, Parnell, Auckland 1151, New Zealand. Our main trading address is 135 Parnell Road, Parnell, Auckland 1151, New Zealand.
Changes to these terms
Changes to our site
We may update our site from time to time, and may change the content at any time. However, please note that any of the content on our site may be out of date at any given time, and we are under no obligation to update it.
We do not guarantee that our site, or any content on it, will be free from errors or omissions.
Accessing our site
Our site is made available free of charge.
We do not guarantee that our site, or any content on it, will always be available or be uninterrupted. Access to our site is permitted on a temporary basis. We may suspend, withdraw, discontinue or change all or any part of our site without notice. We will not be liable to you if for any reason our site is unavailable at any time or for any period.
You are responsible for making all arrangements necessary for you to have access to our site.
Intellectual property rights
We are the owner or the licensee of all intellectual property rights in our site, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.
You may print off one copy, and may download extracts, of any page(s) from our site for your personal use and you may draw the attention of others within your organisation to content posted on our site.
You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.
Our status (and that of any identified contributors) as the authors of content on our site must always be acknowledged.
You must not use any part of the content on our site for commercial purposes without obtaining a license to do so from us or our licensors.
No reliance on information
The content on our site is provided for general information only. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our site.
Although we make reasonable efforts to update the information on our site, we make no representations, warranties or guarantees, whether express or implied, that the content on our site is accurate, complete or up-to-date.
Limitation of our liability
To the extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to our site or any content on it, whether express or implied.
We will not be liable to any user for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:
– use of, or inability to use, our site; or use of or reliance on any content displayed on our site;
– loss of profits, sales, business, or revenue;
– business interruption;
– loss of anticipated savings;
– loss of business opportunity, goodwill or reputation; or
– any indirect or consequential loss or damage.
If you are a consumer user, please note that we only provide our site for domestic and private use. You agree not to use our site for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.
We will not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our site or to your downloading of any content on it, or on any website linked to it.
We assume no responsibility for the content of websites linked on our site. Such links should not be interpreted as an endorsement by us of those linked websites. We will not be liable for any loss or damage that may arise from your use of them.
We do not guarantee that our site will be secure or free from bugs or viruses.
You are responsible for configuring your information technology, computer programs and platform in order to access our site. You should use your own virus protection software.
You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offense under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately.
Linking to our site
You may not link to our home page without our prior written consent.
Third party links and resources on our site
Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only.
We have no control over the contents of those sites or resources.
To contact us, please mail to Fifo Capital Canada Ltd, 2 Bloor Street East, Suite 3500 Toronto, Ontario, M4W 1A8 or email [email protected]
Thank you for visiting our site.
Fifo Capital complies with all legislative requirements.
The Fighting Internet and Wireless Spam Act, is Canada’s anti-spam legislation. The Act came into effect July 1, 2014.
The Act applies to “all communications sent by Canadian companies, to Canadian companies or messages simply routed through Canadian servers”. This includes personalised communications such as email or SMS messages delivering any form of communication, such as text, images, voice or sounds, or technologies not yet available.
The Act requires that marketers may only send email to individuals who opt into receiving them. Such consent may be implicit, such as by engaging in a transaction with a company, or by virtue of having one’s telephone number or email address listed in a public directory. It is mandatory for senders to enable recipients to opt out of receiving messages. Records collected by marketers via implied consent have a time limit.
This Anti-Spam Policy describes Fifo Capital responsibilities relating to Canada’s Anti-Spam Legislation (“CASL”) and electronic messages of a commercial nature sent to Fifo Capital clients, prospective clients, and others, as applicable. From time to time, Fifo Capital may implement additional policies, procedures and/or practices as it relates to anti-spam measures.
This Policy applies to Fifo Capital employees who may be sending Commercial Electronic Messages (“CEM”s) from and/or to a computer system(s) in Canada or to an electronic address that will be accessed from a computer system in Canada.
This Anti-Spam Policy has been adopted in compliance with the requirements of CASL, and Fifo Capital is committed to complying with CASL. All Fifo Capital policies and procedures will be interpreted in a manner that is consistent with the Anti-Spam Policy and that promotes compliance with CASL.
Fifo Capital obtains express, opt-in consent, unless a verifiable basis for implied consent or an exception to consent exists, before sending a CEM to anyone who has not had an existing business relationship with Fifo Capital within two years before the date on which the CEM is sent. Unless a valid documented basis for implied consent or an exception to consent exists, Fifo Capital also obtains express, opt-in consent for the sending of CEMs to Fifo Capital prospects.
The request for consent cannot be in an electronic message unless there exists a basis for implied consent to send the message. The request for consent must be sought separately within a communication (e.g. through a separate action such as affirmatively checking a checkbox) and cannot be bundled as a term of acceptance of an agreement. A verbal consent is acceptable where a record of the details of the consent is maintained in a database.
Form and Content of CEMs
All CEMs are required to comply with the form and content requirements of CASL, generally described as follows:
Fifo Capital takes steps to require that any third-party service provider who sends CEMs on behalf of Fifo Capital complies with CASL.
Storage of Relationship Details
A key component of complying with CASL involves maintaining records of Fifo Capital’s relationships with clients and prospective clients.
Each business unit of Fifo Capital is required to create and maintain in the business unit’s Client Relationship Management (CRM) system (including, but not limited to, Streamline), verifiable records documenting the relationships giving rise to implied consent, and verifiable records of express, opt-in consents obtained from Fifo Capital clients and prospective clients.
Implied consent is obtained in accordance with the CASL procedures and recorded in order to track the client and prospect relationships.
Commercial Electronic Messages
All Fifo Capital employees sending CEMs from and/or to a computer system(s) in Canada are required to comply with this Policy and related CASL procedures and processes.
Compliance by Third Parties
All third-party contracts with service providers who may send CEMs on behalf of Fifo Capital must contain contractual clauses obligating the service provider to comply with CASL including the form and content requirements of CEMs.
CEMs that are not exempt from requirements applicable to CEMs noted above are required to include a form of unsubscribe mechanism to facilitate the withdrawal of consent or do-not-contact requests within a period of time and in a manner that would allow Fifo Capital to process that request within 10 days of the date on which the unsubscribe, withdrawal of consent or do-not-contact request was made. This information should be maintained in the applicable database that tracks the client and prospect relationships.
The Anti-Spam Policy is maintained by the Compliance department of Fifo Capital and will be reviewed and updated, where necessary,and approved on an annual basis.
Review and Approvals
This Policy is subject to review on an annual basis, or otherwise as needed.
A cookie is a small file of letters and numbers that we store on your browser or the hard drive of your computer if you agree. Cookies contain information that is transferred to your computer’s hard drive.
To find out more about cookies, including how to see what cookies have been set and how to manage and delete them, visit www.allaboutcookies.org.
You block cookies by activating the setting on your browser that allows you to refuse the setting of all or some cookies. However, if you use your browser settings to block all cookies (including essential cookies) you may not be able to access all or parts of our site.
If you have any questions or comments regarding this Cookies policy, please email [email protected]
Collection of personal information
Personal Information is information about you that identifies you as an individual, for example, your name, address, e-mail address, or telephone number.
We may collect information that you voluntarily provide to us through responses to surveys, search functions, questionnaires, feedback, and the like. We may also ask you to provide additional information such as your e-mail address if you want to obtain additional services, information, participate in a contest or to resolve complaints or concerns.
How does company use information gathered about online visitors?
Before forwarding us any personal information, please be advised that any information gathered on our Sites may be used in the aggregate for research and development relating to our Sites and/or for future site development and, if you ask us to, to send you promotional materials. In particular, we may use information gathered about you for the following purposes: to monitor interest in our range of products and to assist us to tailor the content of our Sites to your needs by collecting information about your preferences through tracking of patterns page views on our Sites; to create a profile relating to you in order to show you the content that might be of interest to you and to display the content according to your preferences; and, in circumstances where you have indicated that you wish to receive additional information, to send you information about us and promotional material about our products together with details of any offers we may have available from time to time.
Promotional and informational offers
With the permission of an online visitor, information submitted at the time of registration or submission may be used for marketing and promotional purposes by the Company provided notice of this fact is made available online. If a visitor objects to such use for any reason, he/she may prevent that use, either by e-mail request or by modifying the registration information provided. The Company uses reasonable efforts to maintain visitors’ information in a secure environment. If you have submitted personal information and want to change it or opt-out, please contact us as described below.
Disclosure of information
The Company, in common with many web site operators, may use standard technology called “cookies” on its Sites. Cookies are small data files that are downloaded onto your computer when you visit a particular web site. You can disable cookies by turning them off in your browser; however, some areas of the Sites may not function properly if you do so.
Protection of children online
The Company considers the protection of children’s privacy, especially online, to be of the utmost importance. We do not knowingly collect or solicit personal information from children nor do we allow them to become registered users of, or to request information through, our Sites or help-seeking information lines.
Additional terms for certain websites
The following additional information applies to our Sites that require registration. Generally, you are not required to provide personal information as a condition of using our Sites, except as may be necessary to provide you with a product or service that you have requested.
Our commitment to security
We have put in place physical, electronic, and managerial procedures to safeguard and help prevent unauthorized access, maintain data security, and correctly use the information we collect online. The Company applies security safeguards appropriate to the sensitivity of the information, such as retaining information in secure facilities and making personal information accessible only to authorized employees on a need-to-know basis.
Storage of Information
Fifo Capital understands time is critical when it comes to managing your cash flow – so our process is aimed to be as simple as possible.
A Fifo Capital facility approval typically takes around 24 hours to set-up and depending on the required information supplied by customers, transfer of funds can take place in as little as four hours.
The following covers the terms and conditions required for a four hour funds transfer to take place;
To find out more about the full terms and conditions relating to our 4 hour funds transfer please contact Fifo Capital on 1300 852 556