The little company making big waves in the cloud

Cashflow Finance

Meet Dale and Nathan, the names behind Quotient. It’s a super-successful online quoting system at that’s redefining the humble quote.

Dale and Nathan
Quotient founders, Dale Vink (L) and Nathan Carter (R).

When you think of powerful cloud software, Hamilton probably doesn’t come to mind. Yet this city (an hour’s drive south of Auckland), affectionately known as ‘The Tron’, has a thriving tech community. One of its shining stars is Quotient. They won Xero’s Emerging Add-On Partner of the year award in 2012 and were regional winner of the Rising Star, Deloitte Fast 50 awards in 2015.

Before focusing on Quotient, Dale and Nathan built a successful web design, application and software development company, with an ever-expanding team.

Using creativity to solve problems

They’d always enjoyed using creativity to solve their own and clients’ problems. And they excelled when using their complementary skills to build micro systems to make the work lives of their team and clients more efficient.
The system that shined brightest was their online quote system. Their prospects and clients were exposed to it daily, and they loved what they saw. “They often told us that we won their projects based on our innovative quotes,” says Nathan.

These quotes were their point of difference, making them look like serious players. Which got them thinking, the first piece of collateral that a prospect or client is exposed to is the humble quote. It really is the perfect opportunity to make a great first impression, yet so many people treat quotes like a ‘necessary evil’ versus an opportunity to shine and make a great first impression.

“The quoting stage of a business’s workflow interests us because there’s so much potential wrapped up in these little good fortune notices. Helping businesses to save time, be more organised, make more money and look super-professional, is something that really excited us,” says Dale.

Taking an in-house quoting system to the world

Dale and Nathan got to a point financially in their business where they had the luxury of looking at a bigger challenge. They wanted to put both their skills to use and create something that would put a larger dent in the world, something to live on its own esteem.

“There is something good about sharing an idea and seeing people genuinely interested in it. It becomes personal and worthwhile,” says Nathan

After some soul searching and countless client requests to turn their quote system into a standalone product, Dale and Nathan decided to make it available to everyone. They knew it was going to take a lot of time and it’s hard to justify the expense, but they’ve never been driven by money.

The challenge to create a game-changing piece of software, to make businesses look more professional and gain efficiencies really excited them.

“The intention behind our decision was good; to put power in the customer’s hands. We feel that with anything with a little bit of magic tied to it, has far greater potential than just money. We’re more interested in leverage – doing something that has a bigger impact. And we had a belief in ourselves,” says Dale.

They handed the management of their growing web design business over to their team and devoted every waking hour to making what would become Quotient.

On a sunny day in December 2011, after a year of intense development, they quietly released Quotient and crossed their fingers.
“We spent a year working purely on Quotient. There was no deadline but plenty of effort. It was a slow, agonising start, thanks largely to our bootstrapped approach—no big marketing budgets here—but then once the sales needle moved steadily upwards, it showed no signs of slowing. Happy customers were helping spread the word about Quotient,” says Dale.

A favourite feedback of theirs is from a customer called Dan: “If these guys made beer it would probably be the tastiest beer around. But instead they make bloody great quoting software that gets jobs accepted. Well done.”

It sums them up nicely too. Despite their success, they’re everyday guys where little fazes them. Like when Xero launched their quote functionality. Quotient integrates with Xero, and in the early days a lot of their customers were also Xero customers (many still are). The Xero integration was instrumental to their early growth.

But what many customers found, including returning defectors, is nobody does quotes like Quotient. When you specialise in one thing and do it really well, it’s hard to compete with that depth of thinking, design, quality and intuitive approach that simply makes life better and ultimately more profitable.

Quotient has a growing list of integrations with other apps including Intuit’s QuickBooks Online, Insightly, Capsule, and MailChimp, with more on the way. Integrations with appropriate apps can be real time savers. For instance, when a Quotient quote is accepted online, it automatically appears inside Xero as a draft invoice. Then all you need to do is approve and send it to your client. No more double-handling or cross checking. It’s all done for you.
Fast-forward to 2015 when they sold their web company to a local competitor to concentrate on making Quotient the best online quoting system on the planet. To date, nearly 2,000 businesses (and growing every day) around the world agree with them.
“It’s a positive affirmation that we’re doing something right,” says Dale.


Use Quotient anywhere from any device.

What has inspired you?

“Making awesome software. Apple’s approach inspired us. They were willing to make a few hard design decisions for the benefit of the user experience as a whole,” says Nathan.

The book Re:work by the guys behind 37 Signals (most commonly Basecamp and Highrise) inspired them too. They had a scattergun approach to products, and developed one every three months, for a two-year period. Then one day they were only concentrating on Basecamp.

“We thought this was really interesting. We could apply what we had learnt and put this into another concept, and build something easier than starting from scratch. But that would only distract us from doubling customer numbers in Quotient. So it was great observing their journey and learning from it,” says Dale.

What’s your model?

“We’re bootstrapped – profitable and proud. Customers love what we do, so being self-funded has worked for us. If we had a much larger team to fund, this might be different.

“If we had investors they’d come with different priorities. But we will always be focused on our customers and developing the best quoting system for their needs, not shareholder goals, or profit, money or ROI. So as the product grows, it gives us more freedom to make our own choices,” says Dale and Nathan.

What’s your design and development methodology?

“We are design-centric. We hate clichés, but ‘keep it simple’ is a real driver for us. We started in graphic design and the emphasis back then was on fashion. Clients needed to look cool, but not necessarily be super-functional. We had a big shift in our thinking on what makes good design. Things have a natural flow and a good feel. You’re not sure why it feels good but it resonates with you,” says Dale.

“As we are smaller we can see through the layers – aesthetic design, and the engineering behind it, and how they combine to become a good user experience. So we started with a need ourselves and we had the ability to tie it all together as we are cross disciplined. Know the chain, how it works and why. In the end this makes each component stronger,” says Dale

“As companies get bigger those roles separate out and you may lose touch with that connection. So the advantage for us, by being small, is we get to touch everything and see it through to the end,” says Nathan.

With Quotient, Dale and Nathan are in a state of constant iteration. They have their update path and development plan. And they’ll often park things until the timing is right. So on one hand they aren’t constrained by time, like if they still had the web development clients with their deadlines. But everyone and everything is moving and innovating fast, so in that sense they are still under the pump to evolve and get their plans to the market as fast as possible.

Why do you do what you do today?

“Ultimately, we spend time on what truly matters to our end user. If we do a good job, and continue to make the product better, Quotient will sell itself. We’re not driven by money, because we are already pretty comfortable. We do what we do because it is exciting; we love making good stuff and delighting people; the human connection is important to us. Getting great feedback is exciting too,” says Dale.

“Being able to have a product in the marketplace that competes on the world stage. And being able to improve on it and work in an exciting industry is gratifying. The design and engineering side is personally rewarding for us, as well as not working for someone else,” says Nathan.

What big lessons have you learned?

“Learning how to manage feedback has been huge and knowing what requests to filter out. Email makes a hero out of anyone. (We all laugh.) So have a thick thin,” says Nathan, who handles customer care.

“Carve your own path and know what to focus on. For instance, we read a book and did everything opposite to it. So don’t necessarily follow what someone else is doing. Don’t assume the competition is doing it right. We have been caught looking elsewhere for validation. Just figure out what needs to be done for yourself; it’s the easiest path to where you are heading,” says Dale.

They’ve also learnt that you can’t be all things to all people; don’t get too hung up on stuff – just get it out there.

Would you do anything differently?

“We’re happy to admit we can always do things better or differently. Nothing is sacred here. But we keep it light as we have the same common goal. You have to give up some personal attachment or it would get on top of you,” says Dale.

What’s the vision for Quotient?

“The goal really is to continue making a great product that fulfills a big problem and gets more customers for our customers. If you focus on having a good product you don’t have to worry about money or being the biggest. It comes naturally. We like to help people make more money by being more professional and organised and saving them time,” says Dale.

“Quotient is still evolving. We’re working on some great features to make life even sweeter for our customers. We’re continuing with more software integrations and recently launched a range of quote examples for different industries, which is receiving a lot of positive feedback from our customers,” says Nathan.

After spending time with Dale and Nathan it’s like watching a combined, powerful mind where they finish each other’s sentences. They have a deep mental connection that shows in their work. They sense check everything with each other. Nothing is ever rushed. Everything that is in Quotient is there for a reason. They’re methodical and precise and it shows in the quality product that is Quotient. It’s a purity that is rarely witnessed in business.

  • Mark Edwards – Fifo Capital Business Partner

    “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.”

  • Supporting your clients

    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.

    Fast, flexible product range

    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.

    Invoice Finance
    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.

    Business Loans
    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.

    Payment Plans
    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:

    Foreign Exchange
    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.

    Expert consultancy

    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

    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.

    Headway Magazine

    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.

    Knowledge Centre

    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.

  • Working with our partners

    Our finance experts work in concert with professional services partners – accountants, bank managers, business brokers – to identify the most appropriate solution for client needs.

    We consult with you

    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’re responsive

    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 keep you informed

    We respect the relationship you have with your client and support that via open communication throughout.

    We’re an expert sounding board

    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.

  • About Fifo Capital

    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.

    The one-on-one difference

    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.

    Working in partnership with banking facilities

    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.

    Expert solution solvers

    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.

  • Terms of the website use

    Please read these Terms & Conditions before using this site

    This terms of use (together with the documents referred to in it) tells you the terms of use on which you may make use of our website (our site). Use of our site includes accessing, browsing, or submitting information through our site.

    Please read these terms of use carefully before you start to use our site, as these will apply to your use of our site.

    By using our site, you confirm that you accept these terms of use and that you agree to comply with them. If you do not agree to these terms of use, you must not use our site.

    Other applicable terms
    These terms of use refer to the following additional terms, which also apply to your use of our site.

    Our Privacy Policy which sets out the terms on which we process any personal data we collect from you, or that you provide to us. By using our site, you consent to such processing and you warrant that all data provided by you is accurate.

    Our Cookie Policy which sets out information about the cookies on our site.

    Our Anti-Spam Policy which sets out information about our anti-spam endeavors.

    Information about us 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
    We may revise these terms of use at any time by amending this page. Please check this page from time to time to take notice of any changes we made, as they are binding on you. This terms of use was last updated on 21 July 2014.

    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.

    You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these terms of use and other applicable terms and conditions, and that they comply with them.

    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.

    If you print off, copy or download any part of our site in breach of these terms of use, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

    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
    Nothing in these terms of use excludes or limits our liability for death or personal injury arising from our negligence, or our fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by law.

    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.

    Applicable law
    These terms of use, its subject matter and its formation (and any non-contractual disputes or claims) are governed by Canadian Law. We both agree to the exclusive jurisdiction of the courts of Canada.

    Contact us
    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.

  • Anti-Spam Policy

    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.

    Policy Details

    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:

    • identifies the sender;
    • the sender’s mailing address;
    • the sender’s telephone number or email address or link to a webpage; and
    • an unsubscribe mechanism or withdrawal of consent from receiving CEMs from Fifo Capital and its subsidiaries and affiliates.

    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.

    Unsubscribe Mechanism

    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.

    Policy Administration

    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.


    • Emails will not be sent to recipients who are on the Fifo Capital “Don not email list”.
    • Emails may be sent to recipients who have given consent or are on the Fifo Capital implied consent list (those who have used our service previously). Marketing emails sent will include an Unsubscribe mechanism and full Fifo Capital contact information will be included.

    Review and Approvals

    This Policy is subject to review on an annual basis, or otherwise as needed.

  • Information about our use of cookies

    Our site uses cookies to distinguish you from other users of our site. This helps us to provide you with a good experience when you browse our site and also allows us to improve our site. By continuing to browse our site, you are agreeing to our use of cookies.

    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

    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]

  • Privacy Policy

    Before using our site, please read this Privacy Policy carefully.

    This Privacy Policy is applicable to Fifo Capital Canada Inc (“Company”) and sets out our policy on the gathering and use of information on this site and our other sites (collectively “Sites”). The Company is committed to providing safe web sites for visitors of all ages and has implemented this Privacy Policy to demonstrate our firm commitment to your privacy. The Company complies with Canadian Federal and Provincial privacy laws and regulations including the Personal Information and Electronic Documents Act.

    There may be links from our Sites to other web sites; note that this Privacy Policy applies only to our Sites and not to web sites of other companies or organizations to which our Sites may be linked. You must check on any linked sites for the privacy policy that applies to that site and/or make any necessary inquiries in respect of that privacy policy with the operator of the linked site. These links to third party websites are provided as a convenience and are for informational purposes only. The Company does not endorse, and is not responsible for, these linked websites.

    Although you are not required to register to access our Sites, you may be asked to provide us with personal information when you visit certain sections of our Sites. Your use of our Sites signifies your acknowledgement and consent to our Privacy Policy. If you do not agree to this Privacy Policy, please do not continue to use our Sites. Your continued use of the Sites signifies your acceptance of these terms and any changes in effect at the time of use.

    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 will not disclose personal information that you provide on its Sites to any third parties other than to a Company agent except: i) in accordance with the terms of this Privacy Policy, or ii) to comply with legal requirements such as a law, regulation, warrant, subpoena or court order, and/or iii) if you are reporting an adverse event/side effect, in which case the Company may be required to disclose such information to bodies such as, but not limited to, Canadian and/or international regulatory authorities. Please note that any of these disclosures may involve the storage or processing of personal information outside of Canada and may therefore be subject to different privacy laws than those applicable in Canada, including laws that require the disclosure of personal information to governmental authorities under circumstances that are different than those that apply in Canada.


    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

    Personal information you share with us is stored on our database servers at Company data centers (in whatever country they may be located), or hosted by third parties who have entered into agreements with us that require them to observe our Privacy Policy.

    Policy change

    If we alter our Privacy Policy, any changes will be posted on this page of our Site so that you are always informed of the information we collect about you, how we use it and the circumstances under which we may disclose it.

    Acceptance of our privacy policy

    By using this Site or any other Company Site or interactive banner ads, you signify your acceptance of our Privacy Policy, and you adhere to the terms and conditions posted on the Site. By submitting your information, you agree that it will be governed by our Privacy Policy.

  • Melissa Lovf

    Head of Credit Australia

    Text here…

  • Andrew Allen

    Head of Operations Australia

    Text here…

  • Simon Suggett

    Business Expansion, Australia

    Text here…

  • Garrick Wynne

    Business Development Director NZ

    Text here…

  • Neil McMillan

    Managing Director, Australia

    Text here…

  • Colin Chisholm

    Managing Director NZ

    Text here…

  • Nigel Thomson

    Founder and Head Thinker

    Text here…

  • Terms and Conditions

    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;

    1. Fifo Capital will tell the proposed client if the application is successful to receive funding. We can accept or reject the application at our sole and absolute discretion. If we accept the application the cash flow finance services will be provided solely in accordance with the documents we agree with the proposed client.
    2. Fifo Capital’s application consists of a number of forms, however, not limited to fully completed and signed; Application, Receivables Finance Facility Terms and Conditions, Guarantee, Offer to Sell, and Privacy Consent forms
    3. To be eligible for a four hour funds transfer in relation to an approved application, the proposed customer must request or apply to Fifo Capital in writing before 12noon on the same business day. Such a request doesn’t guarantee the transfer will take place or funds cleared in the customer’s bank account within the four hour period.
    4. Should a four hour funding transfer request be approved, such a transfer can only be facilitated on a business day. A transfer request is not available on public or bank holidays, or weekends.
    5. Four hour funding transfers may incur a fee as detailed within the application.
    6. Fifo Capital’s aligned banks or financial institutions have the right to reject a four hour funding transfer request. Fifo Capital and its aligned banks are not liable for any loss or damages resulting from a funding transfer request not taking place or funds being cleared within a four hour period.
    7. Fifo Capital is a franchise business operation. Fifo Capital Australia Pty LTD is the master franchisee and is therefore not responsible for the actions or inactions of its franchisees in relation to any funds transfer timing.
    8. Fifo Capital is not responsible for any loss or damages incurred or to be incurred by the would be or existing customer should a transfer not take place within or cleared funds not be received within a four hour period.
    9. Fifo Capital reserves the right to reject previously approved applications without notice and/or consultation.

    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