Fifo Capital
Fifo Capital is a Melbourne-based Australian alternative-finance provider founded in 2007, offering trade finance, invoice finance, and business loans up to $5M to SMEs, backed by the proprietary Fifopay platform and a nationwide specialist and broker distribution network.
- Company typePrivate
- Founded2007
- HeadquartersMelbourne, Australia
- Headcount51–100
- GTM typeB2B
- OfferingServices
What Fifo Capital does
Fifo Capital is an Australian alternative-finance provider founded in 2007 and headquartered in Melbourne, serving small and medium enterprises with working capital and growth funding solutions. Its core product suite comprises Trade Finance (facilities up to $5M with up to 180-day terms for international and domestic supplier purchases), Invoice Finance (up to 80% advance on unpaid invoices, with a $7.5K minimum annual fee for facilities up to $2M), and Business Loans (term loans up to $5M over 3–36 months, secured by 1st or 2nd mortgages with LVRs up to 90%). Eligibility is deliberately broad — active ABN/ACN, 12+ months operating, and over $120K annual turnover — with assessment weighted toward cash flow and future potential rather than solely collateral or credit scores. The company operates a multi-layered distribution model combining a nationwide network of 50+ lending specialists, an accredited commercial broker program, accountant/advisor and peak-body referral partnerships, and a self-service online application pathway.
The business is operationally underpinned by Fifopay, a proprietary invoice management platform that integrates with major accounting systems and offers AI-powered insights for managing payables and receivables. Revenue is generated through transaction-based interest and facility fees across the three core product lines, with no publicly disclosed pricing schedule — pricing is tailored per facility. Fifo Capital is majority owned by Fancourt Capital Group (formerly Wingate Group), an investment firm with a multi-decade financial services track record, and operates through five wholly owned Australian subsidiaries segregating supply chain finance, corporate finance, and partner/broker operations. Since inception, the company has deployed more than $2B in funding to over 3,000 Australian SMEs and corporate businesses across all states and territories.
Fifo Capital firmographics
Firmographics- Name
- Fifo Capital
- Legal name
- Fifo Capital Australia Pty Ltd
- Website
- https://fifocapital.com.au
- Company type
- Private
- Founded year
- 2007
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Fifo Capital is a Melbourne-based Australian alternative-finance provider founded in 2007, offering trade finance, invoice finance, and business loans up to $5M to SMEs, backed by the proprietary Fifopay platform and a nationwide specialist and broker distribution network.
- Ownership category
- akta.pro rank
Fifo Capital industry classification
Industry- Product category
- Alternative Lending
- NAICS
- Other Nondepository Credit Intermediation (52229), Credit Intermediation and Related Activities (522)
- SIC
- Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Supply Chain Finance (Trade Credit, PO/Inventory Financing) (FSAKAGAE)
- akta.pro secondary industries
- SME Term Loans & Growth Capital (FSAKAGAB), Pre-Export & Export Finance (Working Capital, Packing Credit) (FSABAHAG), SME Trade Finance & Working Capital (LCs, Guarantees, Receivables) (FSABABAF)
Keywords
Where Fifo Capital is headquartered
LocationHeadquarters
- HQ city
- Melbourne
- HQ country
- Australia
- HQ region
- Oceania
Offices1 record
Markets served
Fifo Capital business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Others
Revenue model
- Trade Finance: Trade finance facilities providing funding for international and domestic supplier purchases. Facilities up to $5M with extended trade terms up to 180 days. Revenue generated through interest and fees on the facility.
- Invoice Finance: Invoice discounting and factoring services allowing businesses to access cash from unpaid invoices with up to 80% advanced. Minimum annual fee of $7.5K for access up to $2M facility. Revenue from interest charges and facility fees.
- Business Loans: Short to medium-term business loans from $10K to $5M over 3-36 months. Secured by 1st or 2nd mortgages with LVRs up to 90%. Revenue from interest payments on the loan principal.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Trade Finance - Facility up to $5M with up to 180-day terms |
| Transaction based/ take rate | Annual | Invoice Finance - Advance amounts from $10,000, up to 80% in advance |
| Transaction based/ take rate | Pay-as-you-go | Business Loans - $350K to $5M, 3 to 36 month terms |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels5 records
Fifo Capital product offering
Product offeringCore offering
Fifo Capital provides trade finance, invoice finance, and business loans of $10,000 to $5 million to Australian small and medium-sized enterprises. Facilities include Trade Finance (up to $5M, terms up to 180 days), Invoice Finance (up to 80% advance on unpaid invoices), and Business Loans (3-36 month terms). The company supports its lending with the proprietary Fifopay invoice management platform.
Product overview
Fifo Capital is a financial services company offering a suite of working capital and business finance solutions for Australian SMEs. The core offering consists of three main products: Trade Finance (facilities up to $5M with up to 180-day terms for international and domestic supplier purchases), Invoice Finance (up to 80% advance on unpaid invoices), and Business Loans (flexible term loans up to $5M over 3-36 months). All products are supported by Fifopay, an integrated invoice management platform that connects to accounting platforms and provides actionable insights for managing payables and receivables. The platform enables businesses to unlock working capital and maximize cash flow flexibility.
Differentiator
Problem solved
Functional benefit
Brands
- Fifopay: An innovative invoice management platform that lets businesses manage their facility with ease, providing full control of cash flow and access to working capital.
Products and services
- Trade Finance Working-capital facility up to $5 million with terms of up to 180 days, available to Australian SMEs to fund purchases and manage cash-flow timing.
- Invoice Finance Invoice financing facility providing advances of up to 80% on unpaid invoices, available to Australian SMEs with B2B debtor books to accelerate cash collection.
- Business Loans Unsecured or property-secured business loans from $10,000 to $5 million over 3 to 36 months, available to Australian SMEs for working capital and growth purposes, with property-backed facilities available up to 90% LVR.
- Fifopay Invoice management platform offered to Fifo Capital's SME borrowers, providing real-time visibility of payables and receivables, AI-powered insights, and integrations with accounting platforms such as Xero, QuickBooks, and MYOB.
Quantifiable outcome
- 35% annual revenue growth achieved within 18 months for manufacturing client
- +3 more outcomes
Companies that use Fifo Capital
Customer profileNamed customers7 records
Segments5 records
Ideal customer profiles1 record
Fifo Capital technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
Fifo Capital partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core and minor.
- Commercial Finance BrokerscoreExtensive network of commercial finance brokers who refer clients to Fifo Capital. Brokers receive accreditation, competitive commissions, dedicated support, and access to exclusive resources and training.
- Accountants and AdvisorscoreStrategic partnerships with accountants and business advisors who refer clients needing working capital solutions.
- Corporate PartnersminorCorporate partnerships with organizations seeking to improve the way businesses access finance.
- Peak Industry OrganizationsminorPartnerships with advocacy bodies to advocate and educate on better, fairer business finance solutions.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
Fifo Capital competitors and assessment
Company assessmentDirect peers
- Prospa: Australia's leading online small business lender offering unsecured business loans and lines of credit to SMEs — directly overlapping Fifo's core SME working capital proposition in the same Australian market.
- Plenti: Australian fintech lender providing asset finance and SME loans — competes in the broader non-bank SME lending space with online origination.
- Liberty Financial: Australian non-bank specialty lender offering property-secured business and personal loans — directly comparable given Fifo's reliance on mortgage-secured lending.
- Spotcap: Australian online SME lender (part of the global Spotcap/SMBC group) providing flexible working capital loans — comparable online, speed-led SME underwriting model.
- Moula: Australian online lender providing working capital loans to small businesses based on cash-flow underwriting — comparable customer base and alternative underwriting philosophy.
- OnDeck Australia: SME working capital provider offering short-term loans and lines of credit to Australian small businesses — same target customer, same unsecured/cash-flow-based underwriting approach.
- Capify: Australian alternative SME lender offering working capital loans and merchant cash advances — directly comparable alternative lender targeting small businesses.
- Scottish Pacific: Established Australian invoice finance and working capital specialist for SMEs and mid-market businesses — directly competes with Fifo's invoice discounting and factoring products.
Broad incumbents
- Judo Bank: Australian challenger bank purpose-built for SME and mid-market lending — same customer segment but offers full banking services rather than niche trade/invoice products.
- Commonwealth Bank of Australia (CommBank): Australia's largest bank with a dominant SME franchise — serves the same SME customers Fifo targets, both through commercial lending and increasingly through its venture and innovation arms.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Fifo Capital social profiles
Digital presenceFifo Capital financial estimates
Financial estimateRevenue estimate
Valuation estimate
Fifo Capital leadership team
Management profileNumber of profiles
Profiles2 records
Fifo Capital subsidiaries and ownership
Company hierarchySubsidiaries5 records
Fifo Capital funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Fifo Capital M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Fifo Capital
What does Fifo Capital do?
Fifo Capital provides trade finance, invoice finance, and business loans of $10,000 to $5 million to Australian small and medium-sized enterprises. Facilities include Trade Finance (up to $5M, terms up to 180 days), Invoice Finance (up to 80% advance on unpaid invoices), and Business Loans (3-36 month terms). The company supports its lending with the proprietary Fifopay invoice management platform.
Is Fifo Capital a public or private company?
Fifo Capital is a private company. It is classified as private equity controlled and is currently operating.
When was Fifo Capital founded?
Fifo Capital was founded in 2007. It employs 51 to 100 people.
Where is Fifo Capital based?
Fifo Capital is headquartered in Melbourne, Australia, in the Oceania region.
How does Fifo Capital make money?
Three revenue lines are on record. Trade Finance is the primary driver. The others are invoice Finance and business Loans.
Who are Fifo Capital's main competitors?
Direct peers on record are Prospa, Plenti, Liberty Financial, Spotcap, Moula, OnDeck Australia, Capify and Scottish Pacific. Broad incumbents are Judo Bank and Commonwealth Bank of Australia (CommBank).
Does Fifo Capital have an API?
No public API is recorded for Fifo Capital.
What industry is Fifo Capital in?
Fifo Capital's product category is Alternative Lending. Its primary akta.pro industry code is FSAKAGAE, Supply Chain Finance (Trade Credit, PO/Inventory Financing), with a secondary code of FSAKAGAB, SME Term Loans & Growth Capital. Its NAICS code is 52229 and its SIC code is 6153.