Articles Library

We have hundreds of articles for all business sectors. Scroll below to sample snippets each – use the Category filter on the right to quicken your selection.


Brushing Up on Invoice Finance

Cash flow is the lifeblood of any business. It is all about timing – the books and outlook can be good, but many small to medium businesses experience cash gaps between delivery and payment. Slower debtor payments or extended payment terms inhibit a business’s ability to invest, exploit larger opportunities or simply manage day-to-day costs.  Increasingly, new and growing businesses are using alternative finance tools – tools that support business performance by streamlining cash flow. Invoice finance is a leading example…
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Expertise First; Product Second

Yes – we have a smart range of alternative business finance solutions. But if we were asked to choose the best thing about working with a Fifo Capital Business Partner, it would be a close race between fast action on immediate needs, and our relationship focused expertise…

Is Cash Flow a Pain Point for Your Business?

Six years on from the GFC, and several recent surveys of SME business owners are proving that cash flow issues are not a function of the strength or weakness of the economy.  The team at multi-award winning strategic marketing house – Blue Frog Marketing have been monitoring the needs of the SME customers of several of their clients in recent times. They have found a strong commonality between different business types – all stating that cash flow is their #1 pain point.  Founder of Blue Frog Marketing and author of Marketing has no off Switch – Hunter Leonard shares some key insights with us from this research…

When Traditional Lending Doesn’t Cut It

There’s no question that a healthy banking relationship is a must for any small business. But sometimes – especially when time is of the essence or an opportunity falls a little outside the traditional checklist – the bank can’t always help.  “The question is – where do you go when the bank is unable to help either due to time frames or restrictions on current facilities?” Says Colin Chisholm, Managing Director, Fifo Capital…

Act Now to Avoid a Christmas Cash Flow Crunch

The Christmas period for small businesses seems to lead to cash flow problems. From there, things can go from bad to worse, seeing a rise in insolvencies in the New Year, typically in February. To avoid these cash flow shortages, small businesses should start to plan for the cash flow crunch now. The Christmas shut down period sees the normal cycle of cash collection cease. For small businesses, many invoices are not chased for payment resulting in reduced cash coming in, which can have knock on effects on the business further disrupting cash flow…
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Looking At Financial Fundamentals

Business owners rarely go into business to deal with the financial aspects of running a company. And it’s easy to understand why: You’re most likely passionate about the products or services you provide and want to focus your time and energy there. So your financial responsibilities usually fall to the bottom of your “desirable duties” list. But it’s critical to the long-term success of your business…
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Customers and Cash Flow

The challenge of late paying customers is one that every business has to deal with at some stage. Typically there are four types, so read on if you want to find out who you could be dealing with.  1. In their own time: The chronic late paying client can be an ongoing challenge. Often it’s the big corporations with 90-120 day payment terms that sit in this category and demand to do everything in their own time. But it can also be a standard customer who just never pays on time and is straight out unreliable. If it’s the former, consider invoice finance as a solution to allow you to get faster access to your cash. If it’s just a lack of reliability then consider a credit check and whether you want to avoid doing business with them at all…

Good Relationship, Great Cash Flow

Your customer has chosen YOU for a number of reasons i.e. they need your product/service and they ‘like’ you. So, an opportunity exists to negotiate payment terms. When striking the deal consider discussing or formalising payment terms. Anticipate prior to this point what your cash flow challenges might look like. A simple cash flow projection can predict this. Here are our tips around leveraging a good customer relationship for great cash flow…
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Purpose-Fit Invoice Finance

Invoice finance is an increasingly popular tool that is used by businesses to boost their cash flow. If you’re wondering if invoice finance is a smart solution for your business then read on. Here are just six of the cash flow challenges that can benefit from invoice finance solutions. Before we start it’s worth touching on the basic requirements. To use invoice finance your business needs to provide either products or services to other businesses, and you need to manage your payment processes by invoicing for your goods and/or services after they have been delivered…

Cash Flow Alert

Without robust forecasting and monitoring it’s easy for your cash flow position to run away from you. If you want to get to know the status of your working capital in great detail, there’s no time like the present. Keep your eyes open for these five warning signs that your working capital is not all it should be. If you suspect a crisis is upon you don’t hesitate to call in expert help…