Materials

Smart working capital for materials-based businesses.

Your supply chain runs on capital whether you move timber, steel, building products or raw goods. Octet helps you pay suppliers, fund large orders and stay ahead of cash flow gaps.

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See how Octet supports the materials sector

A man in a red hard hat and suit holds a folder, inspecting materials in a warehouse, symbolising oversight in industrial working capital.
A dense arrangement of grey pipes of varying sizes, representing industrial materials and supply chain finance.
A worker in safety gear grinds metal, generating sparks, illustrating industrial production and the need for efficient working capital.

You move high volumes. And carry the cost.

Octet helps building materials suppliers, raw goods traders and distributors manage large order volumes and long cash cycles without tying up their bank facility.

Common challenges in the materials industry.

Whether you deal in bulk shipments, construction inputs or raw goods, you face constant working capital pressure. Octet helps you stay agile and liquid.

Two men in a warehouse review metal coils and a tablet, discussing materials for efficient working capital management.
Upfront supplier payments

Large orders require upfront cash. That puts pressure on your business long before revenue comes in.ugh to keep inventory flowing and patients cared for.

A worker loads metal pipes onto a forklift in a warehouse, representing the efficient management of materials inventory.
Long settlement terms

Clients in construction and manufacturing often take 30–90 days to pay. That delay creates cash flow gaps and slows down operations.

A container ship navigates a waterway past a bustling port and city skyline at sunset, symbolising global trade and supply chain finance.
Rising freight and storage costs

Global disruptions and cost increases make holding inventory more expensive. Flexible capital helps you respond in real time.

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.