Please complete the CAPTCHA to continue
@fifocapital.com
✓
LinkedIn matched
A concise factual answer block for searchers comparing this professional profile.
Ray Thomas is listed as Director @ FIFO Capital Invoice Finance ....Solving Cash Flow Problems for Small to Medium Sized Businesses at FIFO Capital, based in Greater Sydney Area, Australia, Australia. AeroLeads shows a work email signal at fifocapital.com and a matched LinkedIn profile for Ray Thomas.
Ray Thomas previously worked as Director at Fifo Capital and Owner/Director at Rayzor Capital Pty Ltd. Ray Thomas holds Economics from Hamilton Boys High.
This section adds company-level context without repeating Ray Thomas's masked contact details.
AeroLeads found 1 current-domain work email signal for Ray Thomas. Compare company email patterns before reaching out.
My company provides invoice finance to solve cash flow problems for small to medium sized businesses, with reliable but slow paying debtors, that can’t get enough help from their bank. My career evolved out of two decades in investment banking where I set up securitisation structures to raise mortgage and other funds in the global capital markets for Australian banks, non-bank institutions and others.Disillusioned with that in the aftermath of the GFC I looked to get into grass roots business finance that was more personal. Surprisingly what I found were SMEs, desperate for funding, being rejected because they did not have: • a long enough track record; • collateral or enough equity in property; • a squeaky clean credit history; or • they had overdue ATO obligations.Ironically, with lending criteria toughening, SMEs need for working capital was growing. Customers were stretching payments terms to 60 days or more and their suppliers were insisting on prompt payment - they were caught in a cash squeeze.Then, in 2011, I discovered FIFO Capital whose Australasian-wide network offered a simple, flexible and unique working capital solution - filling the void in SME finance.This suited me as I have a deep appreciation of the cash flow cycle and how to manage it - whether the priority is survival, optimising the funding mix or leveraging growth opportunities.My approach is first and foremost about the needs of the client - pragmatic and focused on a solution that is "right" for them. I have great empathy for small business owners and admiration of their guts and tenacity when most of the time they bear the strain with little help.Specialties: Working Capital Finance, Debtor Finance, Cash Flow Management.Call me now on 1300 200 904 if you need short term business finance or you provide advice or services to clients with a cash flow problem. If you prefer - check out my company website – you can email me from there.
Listed skills include Finance, Funding, Cash Flow, Banking, and 39 others.
Company context helps verify the profile and gives searchers a useful next step.
A career timeline built from the work history available for this profile.
Sydney, Australia
FIFO Capital's "Single Invoice Finance" provides instant, short-term relief from the stress of business cash flow.Do you need more cash fast? Do any of the following apply?* having trouble with cash flow?* amounts overdue to suppliers or the ATO?* your O/D limit doesn't quite cut it?* you need working capital to grow your business?* you need cash to get.
Sydney, Australia
Small Busness Cash Flow Management Advice
Sydney, Australia
(N.B. RBS swallowed ABN AMRO in 2008)Structured Finance Executive - Managed securitisation conduit and term ABS + RMBS transactions; conceptualised, modelled and established global securitisation structures incl. special purpose vehicles (AUD10billion programs).Raised $billions of mortgage and other funds in the global capital markets for Australian banks.
Sydney
Structured Finance Exceutive - Securitisation.(Swallowed by RBS in 2008)
Sydney Area, Australia
Managed four Australian and one NZ ABCP conduit, with total programme capacity of AUD 9 billion. These vehicles funded various financial assets including residential mortgages, corporate loans, equity loans, employee share plan loans, RMBS bonds, auto receivables, property receivables and corporate receivables for bank and non-bank institutions and.
Sydney Area, Australia
Sydney merchant banking arm of a US bank.
Sydney Area, Australia
Formerly MGICA Ltd/PMI Group - provider of mortgage and trade credit insurance.
Quick answers generated from the profile data available on this page.
Ray Thomas works for FIFO Capital.
Ray Thomas is listed as Director @ FIFO Capital Invoice Finance ....Solving Cash Flow Problems for Small to Medium Sized Businesses at FIFO Capital.
AeroLeads has found 1 work email signal at @fifocapital.com for Ray Thomas at FIFO Capital.
Ray Thomas is based in Greater Sydney Area, Australia, Australia while working with FIFO Capital.
Ray Thomas has worked for Fifo Capital, Rayzor Capital Pty Ltd, Royal Bank Of Scotland, Abn Amro Australia, and Deutsche Bank.
You can use AeroLeads to view verified contact signals for Ray Thomas at FIFO Capital, including work email, phone, and LinkedIn data when available.
Ray Thomas holds Economics from Hamilton Boys High.
Ray Thomas is listed with skills including Finance, Funding, Cash Flow, Banking, Credit, Business Strategy, Working Capital Management, and Structured Finance.
Search by job title, company, industry, location, and seniority. Export verified B2B contact data when you need it.
Start free trial Search contactsCheck these profiles if this is not the Ray Thomas you were looking for.
