Our difference makes
all the difference

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 England, Scotland, Wales and Northern Ireland. 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 for business success


Invoice Finance


Standby Credit Facilities



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Meet our business leaders

Nigel Thomson

Founder, Fifo Capital

For more than 20 years Nigel has acquired or launched a number of businesses and through applying out-of-the-box finance thinking and working collaboratively with a network of clever business people, he has enjoyed the challenges and rewards of business success. His hands on approach and willingness to get the job done benefits Fifo Capital’s impressive growth and solid reputation as a leader within the alternative finance space. Nigel’s growth objectives for Fifo Capital includes continually enhancing each countries internal operations, as well as expansion into new markets.

Declan Devlin

Director, Northern Ireland and Scotland

After beginning his career in purchasing, Declan went into business for himself developing 2 outlets in 2 different retail fields in the England and Ireland and taking them to a point where he could successfully sell them on.  The final sale was prompted by his research into Fifo Capital and his decision that it offered the opportunities for growth and flexibility that he required to make use of his skills and experience from 15 years of managing all facets of business trade, from finances to staff management. Declan has also over 10 years of sales experience. These changes coincided with his recent marriage to Agnes who is both his life partner and partner in the business. Agnes brings a background in accounts and administration in a number of companies following on from her degree in Banking and Finance.

John Blackmore

Director of Network and Business Development, England and Wales

John is a recognised leader in the Invoice Finance industry having specialised in the industry for the past 13 years. John has succeeded in the finance sector for the past 30 years principally in sales roles in the likes of HSBC and Bibby Financial Services where he most recently established the New Zealand operations. John is passionate about the Fifo Capital business having recently worked in Fifo Capital International operations and has supported the business with referrals since inception in 2005.  John is committed to supporting Fifo Capital business partners in helping them achieve their own business aspirations while developing a national network of intermediaries who like the support of a trusted transactional funder for their clients.

Staale Aasestrand

Director of Credit and Process, England and Wales

An experienced, knowledgeable and well-networked Credit Management and Debt Purchase Business specialist with more than 25 years’ experience in the European credit management industry, focusing on debt collection and acquisition of pools of distressed consumer loans and credit cards. Staale was one of the founders of Aktiv Kapital ASA (now PRA group Europe), and a member of the Board of Directors from 2001 to 2006. From June 2006 to May 2008 he held a senior Executive Director position at Morgan Stanley as their Head of Principal Investments, Europe. Since June 2008 he has been the CEO of Experto Credite Ltd where he was the co-founder.

What our clients say

"Fifo Capital were excellent in providing the necessary cash flow funding to enable the business to grow at a crucial time. They established the facility quickly and professionally. It was a pleasure to work with them and we look forward assisting further businesses together in the future."

"Fifo Capital being able to do one or two invoices only is a massive advantage for businesses looking for flexibility."