Access funds.
Stay in control.
Turn unpaid invoices into cash with confidential or disclosed options. You stay in control of invoicing and collections, while customers pay into a dedicated Octet account.
Funding that keeps you in control
85%
Access up to 85% of your unpaid invoice value.
24h
Get funded the same day if you submit early, or within 24 hours
Your available capital increases automatically as your sales grow, with no need to reapply.
Access up to 85% of your unpaid invoice value.
Access funding based on your customer's creditworthiness, not your personal assets.
Tailored solutions for manufacturing, wholesale, healthcare, and more, with specialists who understand your sector.
Options include disclosed Invoice Factoring or confidential and disclosed Invoice Discounting.
Go from invoice to cash within the same day.
Upload invoices, track payments, and access funds with minimal paperwork and maximum efficiency.
Transparent pricing with no hidden fees and competitive rates depending on your facility.
Confidential or disclosed — your choice, your cash flow.
Unlock up to 85% of approved invoice value. Customers pay into a dedicated Octet facility account, while you stay in charge of collections and maintain your customer relationships.
Power your growth behind the scenes.
Funding that supports your business without changing how you operate.
Confidential Funding Option
Keep managing relationships while we fund against your invoices. In confidential setups, our role isn’t disclosed to customers.
Retain Customer Relationships
You continue to manage communications and collections. Nothing changes from the perspective of your customer.
Boost Cash Flow Instantly
We advance up to 85% of the invoice value upfront, so you can ease cash flow pressure and take advantage of growth opportunities.
For businesses that want funding without giving up control.
With Invoice Discounting, you convert unpaid invoices into working capital while continuing to manage your ledger and collections. It’s a natural fit for established businesses looking for flexible funding that doesn’t interrupt how they operate.
From invoice to cash flow in 4 simple steps.
Upload invoices
Send invoices to your customers as you normally would. Once issued, upload these invoices to the Octet platform or sync your accounting system, such as Xero or MYOB.
Get funded fast
Access up to 85% of approved invoice value. Submit early for same-day funding, or receive funds within 24 hours.
Stay in control
You continue to manage communications and collections. Nothing changes from the perspective of your customer.
Complete the cycle
- When the customer pays, Octet releases the remaining balance minus our fee.
How does it compare?
Both options convert unpaid invoices into working capital. Choose discounting to stay in full control, or factoring to reduce admin and free up more time for business growth.
Invoice Discounting
- checkConfidential or disclosed options available
- checkYou manage customer relationships and collections
- checkAdvance up to 80–85% of invoice value
- checkGives you full control to manage receivables in-house
- checkBest suited for established businesses with internal receivables processes
Invoice Factoring
- checkDisclosed facility with a simple assignment note on invoices
- checkYou manage customer relationships and collections
- checkAdvance up to 85% of invoice value
- checkOctet supports with admin tasks (e.g., issuing statements) without contacting your customers
- checkIdeal for startups and early-stage businesses
All paths lead to faster cash flow.
Discounting and Factoring are two sides of the same coin. See how both work within our full Debtor & Invoice Finance offering to power your cash flow.
Your ledger meets its match.
Your Xero and MYOB sales ledger flows straight into Octet. Every invoice, every customer, synced with a press of a button and ready for invoice financing. Finally, your accounting software and funding work together like they should.
Draw down and pay. In one simple step.
Simplify payments with direct ABA File uploads. We advance and process the payments using your available facility limit. No need to wait for funds to land in your bank.
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
Numbers tell one story. Our customers tell a better one.
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Co-founder and CFO, JasonL
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