Manufacturing

Smart working capital for manufacturers.

Explore tailored working capital solutions built for the manufacturing industry. Manage supplier payments, unlock capital from receivables, and finance equipment so your production never stops.

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See how Octet helps manufacturers

A worker in protective gear uses an angle grinder to cut a metal beam, generating sparks in a factory, representing industrial production and working capital needs.
A manufacturing worker grinds metal, creating sparks, symbolising the industry's need for efficient working capital and cash flow.
A smiling man in a blue hard hat reviews plans with a colleague, reflecting successful manufacturing operations and strong business finance.

The manufacturing sector runs on capital and timing.

Octet helps manufacturers stay ahead of production demands with financial solutions that align with your supply chain, customers, and operational cycles.

Common challenges in the manufacturing industry.

Manufacturing demands long lead times, strong supplier relationships, and upfront investment. But tight cash flow, payment delays, and global disruptions can bring everything to a halt.

A man in a hard hat and suit holds a clipboard, inspecting inventory in a manufacturing warehouse, highlighting the need for robust working capital solutions.
Cash flow volatility

You often spend before you earn. Between purchasing raw materials and waiting on customer payments, manufacturers face regular cash flow gaps.

A man in an apron manages a roll of fabric in a warehouse, symbolising inventory and working capital needs for manufacturing.
Supplier and customer pressures

You need to pay suppliers upfront. But your customers expect terms. The squeeze hits your margins and makes it harder to grow.

A craftsman in a workshop assembling a wooden frame, highlighting the need for efficient working capital in manufacturing.
Equipment and scaling costs

Upgrading or expanding capacity costs money, fast. Access to flexible capital determines whether you meet demand or fall behind.

Use Cases

Every cash flow challenge.
One smart solution.

Explore all use cases

Your business problem. Solved.

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
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
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
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
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
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

How we help businesses grow.

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“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.”

DZ

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.

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.

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.

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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.

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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.

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
Your business finance, centralised.

Whether you're buying or selling, we help you transact faster, with fewer clicks, and more certainty.

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A smiling man on the phone uses Octet’s all-in-one platform that simplifies working capital management, offering finance, payments, and FX solutions.

More resources to fuel your business growth.

Client Success Stories

Discover how companies like yours have transformed their cash flow and accelerated growth with Octet's financial solutions.

Market Insights & Trends
Stay ahead of financial shifts that impact your industry. Our expert analysis helps you identify new opportunities.