Smart working capital. Built for business.

Your business isn’t off-the-shelf, so why should your finance be? Our suite of working capital products adapts to your business needs, whether you're expanding, stabilising, or scaling.

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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.

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Up to 85% advanced within 24 hours

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No personal security required

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Seamless integration with Xero or MYOB

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A man reviews his computer screen showing an Octet invoice finance dashboard with $400,000 in unpaid invoices and a $340,000 drawdown option.

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.

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Pay local and international suppliers upfront

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Flexible repayments of up to 120 days (60 days interest free)

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Earn Frequent Flyer Points on Payments

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A smiling man on the phone with an overlay showing a verified international invoice for $120,000, ready for payment authorisation as part of Octet’s Trade Finance solution..

OctetPay

Pay global and domestic suppliers with ease.

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

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Pay domestic and international suppliers

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Access competitive rates

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Fast approval process

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Term Loan

Top up your working capital even further with extra funds.

Pair with Trade Finance or Debtor & Invoice Finance to unlock up to $5M in flexible funding.

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Boost cash flow with a lump sum loan of up to $5M

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Flexible terms ranging from 6 months to 3 years

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Perfect for existing clients with a fast, streamlined approval

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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.

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Protect up to 90% of your invoice value

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Safeguard your business against customer non-payment

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Peace of mind in every transaction

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Two smiling business professionals review customer protection options on a digital interface, highlighting Octet's Buyer Protection solution that protects businesses from customer non-payments.

Points4Pay

The smarter way to pay and get paid in healthcare.

Whether you're a Medical Supplier, Practice or Practitioner, Points4Pay helps you simplify payments, boost cash flow and earn rewards.

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Pre-approved line of credit

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Earn Frequent Flyer Points on every payment

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Improve your cash flow

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A smiling dentist talks to a client, with an Octet Points4Pay Line of Credit display showing $154,000 facility remaining.

Not sure which product?

Explore real-world use cases to see how Octet helps businesses like yours manage cash flow, fund growth, and simplify payments. Find the solution that fits your goals.

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More resources to fuel your business growth.

Case Studies

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.

Business Finance Guides

From managing seasonal demands to funding rapid growth, our guides deliver actionable financial expertise.