Turn waiting into working capital. Fast.
Those unpaid invoices aren't just paper—they're your money, sitting idle. While clients take their time to pay, you've got a business to run. We turn your outstanding invoices into immediate cash flow, so you can keep your business moving while others make you wait.
Unlock up to 85% of invoice value
Turn unpaid invoices into immediate funds.
Unlock cash quickly and keep your business running smoothly.
Access funds faster
Speed up cash flow without taking on debt. Octet advances payment against your unpaid invoices, so the money lands in your account in hours, not weeks.
Seamless integration
You stay in control. Always.
Whether you choose Discounting or Factoring, disclosed or confidential, you keep ownership of customer relationships and collections.
Waiting to get paid shouldn’t slow you down.
Read how smart businesses use Octet to fund operations, without relying on late client payments or overdrafts.
Working capital solutions to unlock working capital.
Octet's smart working capital solutions turn financial barriers into growth opportunities with instant access to trapped capital.
Debtor & Invoice Finance
Transform waiting into working capital. Our invoice financing eliminates the cash flow gap between completing work and getting paid, giving you immediate access to funds locked in outstanding invoices. Perfect for businesses with long payment terms or rapid growth opportunities that can't wait for clients to pay.
Why thousands of businesses choose Octet.
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. Get full visibility in fewer steps.
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.
View all stories“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