FIFO Capital

Contact: Scott Cousins

Notes: FIFO Capital is a private lending business based in Newmarket, Auckland, specializing in commercially driven property transactions with strong security and clear exits. They offer flexible funding with quick decision-making, typically within 48 hours.

Pricing Decision Tree

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Borrower Classification

How the lender classifies/segments borrowers into tiers or suites

Rule 1: Commercial purpose only -> Eligible for lending
Rule 2: Property-backed lending -> Eligible for lending
Rule 3: Strong exit strategy required -> Eligible for lending
Rule 4: Experienced developers/investors -> Eligible for lending
Rule 5: Owner-occupied retail lending -> Not suitable
Rule 6: Non-triple CFA space, business lending only -> Eligible for lending
Rule 7: Time-sensitive transactions with strong security and clear exits -> Eligible for lending
Rule 8: Commercially driven transactions for experienced operators -> Eligible for lending
Rule 9: Lending to businesses, not retail clients -> Eligible for lending
Rule 10: Strong security and clear exits required -> Eligible for lending

Tier	Criteria	Base Rates
Commercial Lending	Commercial purpose, property-backed, strong exit strategy	Investor Full Doc: 10-12% Investor Alt Doc: 10-12%

LVR Adjustments

LVR Range	Premium	Notes
65-70%	None	Can go up to 100% with strong exit

Special Flows

Urgent Settlements
Time-sensitive transactions
Rate: 10-12% Max LVR: 100% with strong exit

Warnings

Must have a clear defined exit, e.g., sale of property or refinance to bank/non-bank

Without exit = deal unlikely to proceed

Fees

Establishment fee: 3%
Broker fee: 0.5% - 1%

Updated: 2026-03-16

Commercial Property Finance 🌉 Bridging 🔒 Private

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Loan Parameters

Amount Range	$500,000 - $5,000,000
Max LVR	70.0%
Term	1 ~ 12 months
Interest Rate	10.0% - 12.0%
Payment Types	capitalised
Turnaround	48h (2d)

Eligibility Criteria

Min Credit Score	-
Min Trading	-
Min Turnover	-
Property ownership	Required
Security Types	residential,commercial

Security-LVR Rules

Type	Max LVR	Notes
Residential	100%	Strong exit required
Commercial	100%	Strong exit required

Payment-Term Rules

Type	Min	Max
Capitalised	1mo	12mo

Fees & Charges

Establishment Fee	3.0%
Documentation Fee	-
Monthly Fee	-
Line Fee	-

Broker fee typically 0.5% to 1%

Additional Details

Credit History	None
Security	First mortgage preferred
Documents	Minimal documentation required, One-page application
Industry	Owner-occupied retail lending

First mortgage preferred, can do seconds and caveats. No CCC properties accepted. Suitable for bridging finance, refinance gaps, short-term development funding, and settlement funding. Requires a clear exit strategy.

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