Fast funding. Extra support.
Turn unpaid invoices into working capital with a disclosed facility. You manage your customer relationships and collections, while Octet supports you with streamlined administration.
Spend less time on admin, more on growth
85%
Access up to 85% of your 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.
Choose between disclosed Invoice Factoring or confidential 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, competitive rates depending on your facility.
Funding that fits your relationships.
With Invoice Factoring, you convert unpaid invoices into working capital while keeping full control of collections and customer relationships. Octet issues statements and supports your receivables without making collection calls.
Fast access to funds while staying in control.
Octet supports your receivables with admin expertise, saving you time while you manage relationships and grow your business.
We support. You stay in control.
Octet provides administration support like issuing statements and reporting, but you always manage customer conversations and collections directly.
Save time. Focus on growth.
Octet streamlines receivables administration, so you spend less time on paperwork and more time growing your business.
Growths with your business
Turn unpaid invoices into cash flow that scales with your sales and gives you the flexibility to keep growing.
A minor detail. Not a takeover.
With Octet, disclosure simply means adding a small assignment note to your invoices so customers know where to pay. That’s it. We don’t call your customers, chase debts, or take over your receivables. You stay in full control of relationships and collections.
Perfect for businesses in their growth stage.
Invoice Factoring turns invoices into working capital that keeps up with your growth. It’s ideal for startups, early-stage businesses, and companies entering new markets who need funding for payroll, suppliers, or equipment purchases.
From invoice to cash flow in 4 simple steps.
Send and upload
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
Submit your invoices early in the day and receive up to 85% of the value the same day. Otherwise, funds land within 24 hours.
Customers pay
They pay into a dedicated Octet account, with only a small disclosure note on the invoice. You remain in control of all communications and collections.
Complete the cycle
When payment clears, 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 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
Invoice Discounting
- checkConfidential or disclosed options available
- checkYou manage customer relationships and collections
- checkAdvance up to 80–85% of invoice value
- checkBest suited for established businesses with internal receivables processes
- checkGives you full control to manage receivables in-house
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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Daniel Ziccardi
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Co-founder and CFO, JasonL
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CEO, Go Vita