Get your business paid today.
Not someday.
Get immediate access to funds locked in your unpaid invoices, providing the cash flow and working capital you need to seize new opportunities and power your business growth.
Speak to an Invoice Finance expert
No more waiting 30, 60, or 90 days for customer payments to fund your operations.
From unpaid invoice to working capital in just one day and often on the same day.
Keep your personal assets and property completely separate from business finance.
Access two flexible options designed to match how you want to run your business.
Strengthen your cash flow.
Turn unpaid invoices into capital
Access working capital from unpaid invoices in as little as one day. Maintain steady cash flow, close cash flow gaps, and move fast on growth opportunities.
Grow without adding debt
Expand using your own invoices rather than conventional loans. Unlike fixed debt, Debtor & Invoice Finance scales naturally with your business, giving you funding that grows as your invoices increase.
Options for every stage of growth
Invoice Discounting gives you confidential or disclosed access to funds while you manage your customer relationships. Invoice Factoring provides added administrative support, with Octet helping to manage the process alongside you.
Get expert help fast
Forget generic hotlines and ticket queues. At Octet, you're assigned a dedicated supply chain specialist who knows your business inside out.
Reduce risk with built-in protection
Add Buyer Protection to safeguard your receivables. If a customer can’t pay, you're still covered. It's a simple way to trade with confidence and keep your business moving, no matter what.
Unsure how it all works?
Debtor & Invoice Finance helps you unlock cash tied up in your receivables. We advance up to 85% of your invoice value, so you can keep your business moving without waiting 30, 60, or 90 days for customers to pay.
Keep control of your customers, always.
Invoice Finance doesn’t mean losing control. Whether it’s Invoice Discounting or Invoice Factoring, you stay in charge of customer relationships and collections. Octet never takes over your accounts receivable or makes collection calls.
Which type of Invoice Finance suits your business?
Both options give you fast access to the cash tied up in invoices. The difference lies in how visible our role is to your customers and which setup aligns best with your business stage and goals.
Undisclosed or disclosed funding for established businesses
Stay in control of invoicing and collections. Customers pay into a dedicated Octet account, with the choice to keep our role confidential or disclosed.
Best for established businesses managing their own receivables
A partnership facility with administrative support
Octet helps with statements so you can focus on growth, while you remain in control of customers and collections. Perfect for startups and growth businesses needing extra support.
Ideal for startups or growth stages needing added support
From invoice to cash flow in 4 simple steps.
Why wait weeks when your cash flow can't? Four easy steps that turn tomorrow’s business payments into today’s opportunities.
Issue your invoice
Create and send invoices to your customers as you normally would. Once issued, upload these invoices to the Octet platform or connect your accounting software for automatic syncing.
Receive instant funding
Within 24 hours, Octet advances up to 85% of your invoice value directly to your account. This immediate cash injection transforms future income into available working capital.
Bridge the payment gap
While your customers follow their normal payment terms (typically 30-90 days), your business operates with the cash you need. No more waiting for payment while expenses continue to accumulate.
Complete the cycle
When your customer pays the invoice, Octet releases the remaining balance to you, minus our service fee. Your cash flow gap is eliminated, and the cycle can begin again with your next invoices.
Is your business eligible?
Your business could qualify more easily than you think. Octet Debtor & Invoice Finance requires these basics, with a straightforward assessment process designed to get you funded, not frustrated.
ABN holder registered in Australia
$1,000,000 minimum annual turnover
$100,000 total receivables ledger value
Ability to provide evidence of debt
The platform behind smarter Debtor & Invoice Finance.
Monitor receivables, upload invoices, and access funds fast. Every feature is built to give you clear visibility, seamless control, and total confidence in your facility.
Real-Time Visibility
Monitor your receivables, drawdowns, and repayments in one place. The Octet Platform gives you a clear, real-time view of your funding activity so you always stay in control.
Seamless Integrations
Connect Xero or MYOB to automatically sync your invoices or simply upload a CSV or spreadsheet. Your receivables appear instantly, ready for funding without any manual work.
ABA File Upload
Draw down and pay multiple recipients directly from your facility in one simple step so you don’t have to wait for funds to clear in your bank.
Bad Debt Protection
Add Buyer Protection to your facility to safeguard your business from bad debt.
Bank-Grade Security
Octet’s platform uses multi-factor authentication and bank-grade encryption to keep your facility and your customer data safe.
All-in-one platform to manage your receivables.
No more chasing payments or juggling spreadsheets. Octet gives you one secure platform to manage your receivables, access funds against unpaid invoices, and track everything in real time.
Get paid faster, with less effort.
Easily convert invoices into working capital and manage every transaction in one place—with full visibility and fewer steps.
Make it easier for customers to pay you.
The AccountsPay Portal is included with your facility, giving your customers a simple way to view and pay invoices online. This means fewer follow-ups, quicker collections, and stronger cash flow for your business.
Built for Business.
Proven by Numbers.
$B+
Business funding facilitated on our platform
$B+
Trade transactions across 70+ countries
K+
Buyers and suppliers connected worldwide
+
Australian businesses powered by Octet
+
Years of business finance expertise
Offices across Australia and China
The numbers tell one story. Our customers tell a better one.
“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
Marc Levin
Co-founder and CFO, JasonL
Ann Cattelan
CEO, Go Vita
Supercharge your facility.
These powerful add-ons provide the extra protection and flexibility growing businesses need.