Octet

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We are a leading global supply chain technology platform powering ambitious Australian SMEs via comprehensive finance, payment and foreign exchange solutions.

Octet provides unsecured supply chain finance facilities from $100k to $10m with up to 60 days interest free and up to 120 days for repayment. Octet also enables your business to use its existing credit cards to pay domestic and international suppliers, regardless of credit card acceptance with exceptionally sharp foreign exchange rates, while earning valuable reward points.

09/10/2026

What's the hidden cost of running a business? Sometimes, it's the toll on your mental health.

Behind every business is someone managing the pressures of making it work. Rising costs, cash flow challenges and financial uncertainty can weigh heavily on business owners and their teams.

At Octet, we understand that financial wellbeing and mental wellbeing are closely connected.

This World Mental Health Day, we're reminded that a healthy business is about more than a healthy balance sheet.

Take time to check in, listen and support one another. Because people matter most.

06/10/2026

Health and dental practice managers: after 30 November, the ATO won't accept credit cards.

If your practice paid BAS and tax on card for the points, then those points stop too.

With OctetPay, your practice can pay the ATO, payroll and suppliers from one digital wallet, and earn direct airline reward points on eligible payments.

Simplify and streamline your practice expenses.

Find out more https://www.octet.com/products/octetpay

Eligibility criteria and T&Cs apply.

04/10/2026

Is your business paying the ATO by credit card? After 30 November, you can't.

The ATO is ending credit card payments, but your tax bills aren't going anywhere.

With OctetExpress, you pay Octet by card and Octet pays the ATO. And you keep your card rewards.

And unlike some payment services, OctetExpress does not require cleared funds from your business before the payment is made to the ATO.

No credit assessment. Set up in as little as 24 hours.

See how it works https://www.octet.com/products/octetexpress

02/10/2026

From 1 December, you can't pay the ATO by credit card.

The ATO will stop accepting credit cards following the RBA's changes to card surcharging.

If your business used a card to manage BAS, PAYG or income tax, three things change:
▶️ The interest-free period on your tax bill goes
▶️ The points you earned on tax payments go
▶️ Payment plans linked to a credit card may fall into arrears or default if they aren't switched in time

The tax dates don't move. The cash still has to come from somewhere.

OctetExpress lets you keep paying the ATO by card through our facility.

Larger ATO debt can be managed through OctetTrade, OctetDebtor and Term Loan facilities.

👉 Read what's changing and how to plan for it: https://www.octet.com/resources/market-insights/ato-credit-card-payments-ending

29/09/2026

If you run a business with an overdraft, or you write deals for clients who do, yesterday's RBA number isn't 4.60%. It's 1.00.

That's how far the cash rate has moved since January, across four rises, the last of them unanimous this afternoon.

The Board also said it wants demand growth to stay subdued, and that firms are already lifting prices, or looking to.

Dearer funding, flat demand, rising input costs. Check what your facilities are priced against this week.

Talk to us about structuring working capital through a tightening cycle:

24/09/2026

The RBA’s card payment changes. One week to go.

From 1 October, card surcharging effectively ends across eftpos, Mastercard, Visa and Amex. Interchange on consumer credit cards falls from 0.80% to 0.30%. The RBA's reasoning: surcharging no longer signals cost, and removing it without cutting fees would just shift costs onto merchants.

What it means for your business:

☝ If you surcharge, that recovery stops. Signage, menus and checkout need updating by 30 September.
☝ If you don't, acceptance costs should fall, but not automatically. Check your merchant statements.
☝ Commercial cards stay at 0.80%. Your card mix decides what you actually save.

Know what changes for your cash flow

Some costs come off. Some recovery stops. The two don't arrive on the same day, and the gap between them is different for every business.

Talk to Octet if the changes have an impact on your business cash flow.

💡 For more market insights on business financing visit the Octet Resources Hub: https://www.octet.com/resources

09/09/2026

𝗬𝗼𝘂𝗿 𝗚𝗼𝗼𝗴𝗹𝗲 𝗼𝗿 𝗠𝗲𝘁𝗮 𝗮𝗱 𝗯𝘂𝗱𝗴𝗲𝘁 𝗺𝗮𝘆 𝗻𝗼𝘁 𝗵𝗮𝘃𝗲 𝗰𝗵𝗮𝗻𝗴𝗲𝗱. 𝗛𝗼𝘄 𝘆𝗼𝘂 𝗽𝗮𝘆 𝗳𝗼𝗿 𝗶𝘁 𝗺𝗶𝗴𝗵𝘁 𝗵𝗮𝘃𝗲.

Google and Meta have started moving some larger advertisers away from card payments and onto monthly invoicing and bank transfers.

For Australian businesses spending heavily on digital advertising, that matters.

Moving from card payments can change cash-flow timing and may mean losing points, rewards or other card benefits previously earned on advertising spend.

Our article explains:
▶️ what has changed with Google and Meta invoicing
▶️ how business owners can still fund Google and Meta payments by card
▶️ solutions to keep earning the usual card rewards

👉 Find out more: https://www.octet.com/resources/market-insights/google-meta-advertising-payments-cash-flow

26/08/2026

For manufacturers, growth can create as much cash flow pressure as it does opportunity.

One Brisbane-based, family-owned pharmaceutical manufacturer needed finance that matched the reality of its trading cycle: paying for imported ingredients and packaging upfront, carrying production and compliance costs, then waiting for customers to pay.

After being referred by their commercial finance broker, Octet structured a debtor finance facility, trade finance facility and term loan to work together, giving the business the working capital needed to support growth.

As Allan Howe, Director Working Capital Solutions Qld at Octet, explains: “Our job was to build a structure around the way they genuinely trade, rather than asking them to trade around the structure.”

The result is a more stable funding base, improved cash flow visibility and greater confidence to take on larger orders.

👉 Read the client success full story: https://www.octet.com/resources/case-studies/case-studies/connective-cashflow-pharmaceutical-manufacturer-working-capital-finance

06/08/2026

Paying suppliers upfront. Waiting months for builders to pay you. Sound familiar?

That was the reality for Trade Sync Group, a fast-growing Sydney supplier of kitchen, bathroom and laundry products. Every new project meant more capital tied up in stock and unpaid invoices — and the cash flow gap was capping what they could say yes to.

Introduced by their commercial finance broker, the business partnered with Octet for an Invoice/Debtor Finance facility and Trade Finance facility.

"They're well-run, growing fast and sitting on a strong debtor book. Our job was to release the cash flow already locked inside their business, so growth funds itself," says Dan Verdon, our Director of Working Capital Solutions NSW.

The result? Stronger supplier terms, steady revenue growth and the confidence to tender for larger commercial projects.

👉 Read the full story on Octet supported the growth of Trade Sync Group: https://www.octet.com/resources/case-studies/building-products-supplier-debtor-finance

29/07/2026

𝗢𝗰𝘁𝗲𝘁 𝘄𝗶𝗻𝘀 𝗕𝗲𝘀𝘁 𝗳𝗼𝗿 𝗧𝗿𝗮𝗱𝗲 𝗙𝗶𝗻𝗮𝗻𝗰𝗲 𝗮𝘄𝗮𝗿𝗱

We’re pleased to share that Octet has been named Best for Trade Finance & Working Capital in the WeMoney 2026 Business Finance Awards.

Trade finance and working capital may operate behind the scenes, but they play a vital role in helping businesses keep stock moving, pay suppliers and pursue growth with confidence.

This recognition reflects the work of our team in structuring flexible funding solutions around genuine commercial needs.

Thank you to WeMoney for shining a light on the providers supporting Australian businesses with adaptable finance and specialist service in a challenging operating environment.

Read the full announcement: https://www.octet.com/resources/market-insights/press-release-octet-awarded-best-trade-finance-wemoney-awards

Address

L3, 10-14 Waterloo Street
Surry Hills, NSW
2010

Telephone

+611300862838

Website

http://octet.com/

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