$5B+ business funding facilitated

Power growth with smart capital.

Octet is Australia’s smart working capital and business finance solution that helps Australian companies buy, sell, and get paid faster with quick access to smarter funding and an advanced, all-in-one platform.

Explore ProductsEnquire nowarrow_forward

See the Octet platform in action.

A man talks on his phone while a tablet in the foreground displays the Octet all-in-one working capital platform with available working capital funds and order details for invoice finance and trade finance.

On this page

The Octet Product Suite

Built for every kind of business.

Debtor & Invoice Finance

Get paid today. Not someday.

Unlock working capital faster by unlocking up to 85% of your receivables within 24 hours without waiting for your customers to pay.

Up to 85% advanced within 24 hoursSeamless integration with Xero or MYOBNo personal security required

A man views a screen displaying "Funds available today" and an option to draw down $340,000 from unpaid invoices, highlighting Octet's invoice finance solution.

Trade Finance

Pay suppliers upfront. Repay Octet later.

Unlock global and local trade opportunities with extended payment terms and built-in supplier verification to secure your transactions.

Pay local and international suppliers upfrontRepayments of up to 120 days (60 days interest free)Earn Frequent Flyer Points

A smiling man on the phone sees an early payment discount unlocked for a $120,000 international invoice from China.

OctetPay

Pay global and domestic suppliers with ease.

Make quick, secure payments to local and international suppliers, even if they don’t accept cards.

Pay domestic and international suppliersCompetitive ratesFast approval process

A smiling woman holds a credit card, with a notification confirming supplier payment and showing various card options for OctetPay.

Term Loan

Get extra capital. On your terms.

Pair with Trade Finance or Debtor & Invoice Finance to unlock up to $5M in flexible funding. No extra security required.

Boost cash flow with a lump sum loan of up to $5MFlexible terms ranging from 6 months to 3 yearsFast approval process

A smiling woman discusses business finance with a colleague, with an overlay showing a $6M facility limit and $1.34M remaining for working capital.

Buyer Protection

Protect your business from customer non-payment.

Pair with Debtor & Invoice Finance to safeguard your revenue against bad debts. We carry the risk, so you don’t have to.

Protect up to 90% of your invoice valueSafeguard your business against customer insolvencyPeace of mind in every transaction

A smiling man discusses payment protection with a colleague, showing a screen with 'Protected from non-payment' and customer protection details.

Points4Pay

The smarter way to pay and get paid in health & dental care.

Whether you’re a Practice, self-employed Practitioner, or a Supplier, Points4Pay helps you simplify payments, boost cash flow and earn rewards.

Pre-approved line of creditEarn Frequent Flyer PointsImprove your cash flow

A smiling dentist with a patient, overlaid with "Frequent Flyer Points unlocked" and a $200,000 business line of credit.

Use Cases

Every cash flow challenge.
One smart solution.

Explore all use cases

Your business problem. Solved.

Don’t just take it from us.

“Our Partnership with Octet has been really important for the growth of our business. It takes a lot of expense to launch new brands to market and continue to innovate. Octet have proven for over a decade to be the right finance partner for us.”

Ann Cattelan

CEO, Go Vita

“We want to have showrooms in each major city and be the go-to office furniture supplier. Octet is a partner for the journey of our business life. It’s definitely an ace up our sleeve, whenever we need it. As the business grows I have no doubt we’ll have Octet there.”

Marc Levin

Co-founder and CFO, JasonL

“Our Debtor Finance facility with Octet allows us to offer agile recruitment solutions with cash flow stability, making it possible for us to scale confidently.”

Daniel Ziccardi

Managing Director, Skillforce Recruitment

The all-in-one platform behind Octet.

Everything your business needs to control the supply chain in one secure platform.

View all Features

Explore the tools powering smarter business

Next-Gen Digital Wallet

Store, manage and move funds with ease. One wallet. Multiple currencies. Full control.

About Digital Walletarrow_forward

A man writes in a notebook while a digital wallet interface displays various payment methods for managing business finance.

Advanced International Payments & FX

Pay suppliers globally with competitive FX rates and minimal friction. Fast. Secure. Transparent.

About International Paymentsarrow_forward

A smiling businesswoman discusses international payments with a custom FX rate interface visible.

Bank-Grade Security

Protect every transaction with enterprise-level encryption and multi-factor authentication. Your data stays yours.

About Securityarrow_forward

Two-factor authentication is enabled, showing 'Your data is protected' for secure Octet working capital solutions.

Seamless Integrations

Connect to Xero, MYOB and more. Sync payments, reconcile instantly, and simplify your workflow.

About Integrationsarrow_forward

Logos for Xero, Octet, and MYOB connected, showing seamless integration for working capital management.

Earn Frequent Flyer Points

Turn everyday business spend into rewards. Make business payments, earn points. It’s really that simple.

About Frequent Flyer Pointsarrow_forward

A digital card shows 750K frequent flyer points with a 12% monthly increase, illustrating rewards and frequent flyer points growth with Octet.

A working capital platform to manage it all.

No more juggling systems or providers. Octet connects your supply chain from sourcing to settlement all in one secure platform to make it easy to fund supplier payments, unlock cash flow from your unpaid invoices and use your own capital or ours.

Explore the Platform