Octet

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

09/07/2026

Purchasing power - not demand - is the real growth constraint facing Australian solar distributors right now.

When supplier and insurance-imposed credit limits cap how much stock a business can order, even the strongest pipeline stalls. That's exactly the challenge one fast-growing NSW solar equipment distributor faced.

Until they partnered with Octet.

Through an OctetTrade finance facility, we restored their purchasing power, aligned repayments to their transaction cycle, and freed up working capital to reinvest in growth.

The result: more jobs, stronger supplier relationships, and the confidence to compete for larger commercial contracts in Australia's expanding renewable energy sector.

"For this business, the limiting factor wasn't customers or capability, it was purchasing power," said Brett Divall, Octet Director Working Capital Solutions - Vic/SA/Tas. "By structuring a trade finance facility around their transaction cycle, we gave them the ability to buy stock in line with actual demand and grow without the handbrake of supplier credit limits."

Read the full story: https://www.octet.com/resources/case-studies/solar-distributor-trade-finance-purchasing-power

18/06/2026

Tax debt can quickly become a handbrake on business growth.

When one Australian business found itself carrying $2m in ATO debt, escalating GIC charges and reduced access to future funding, Octet helped deliver a more effective working capital solution.

Through a tailored structure including a Term Loan, along with an OctetDebtor facility and an OctetTrade facility, the business was able to repay its ATO debt, improve cash flow and strengthen its funding position.

"Many business owners focus on the size of the tax debt, but the bigger issue is often the impact it has on cash flow, borrowing capacity and future growth," said Tony Ahdore, Octet's Director Working Capital Solutions - Vic, SA, Tas.

With ATO debt at record levels across Australia, the right funding structure can make a significant difference.

Read the full story to see how Octet helped turn tax debt pressure into a stronger platform for growth: https://www.octet.com/resources/case-studies/term-loan-tax-debt-aviation-services

11/06/2026

Is your business prepared for EOFY? 💸

From Payday Super and late payments to ATO tax debt and rising operating costs, Australian businesses are heading into FY2026–27 with a lot to plan for.

Our EOFY checklist breaks down five key issues that could affect
⚠️ cash flow
⚠️ compliance
⚠️ working capital
in the new financial year.

➡️ Click through to read the full guide here:

From Payday Super to late payments, we break down five key issues Australian businesses going into the new financial year and the practical steps you can take to protect cash flow.

26/05/2026

From 1 July 2026, every Australian employer must pay superannuation on payday.

That's a shift from four super payments a year to up to 52.

For businesses already managing tight margins or waiting 30, 60 or 90 days for customers to pay, that's a significant cash flow adjustment.

While the changes apply to everyone, hospitality, construction, retail and labour-hire are the most exposed as a result.

We've put together a complete employer guide covering:
✅ What's changing and why
✅ The old vs new comparison
✅ Which industries will feel it most
✅ What to do before 1 July
✅ How working capital finance can help bridge the gap

👉 Read the full guide: https://www.octet.com/resources/market-insights/payday-super-cash-flow-guide

Everything employers need to know about Payday Super changes from 1 July 2026 and how working capital finance can help manage the cash flow impact.

20/05/2026

How can a growing dairy products manufacturer fund larger orders when production costs land before customer payments?

For this Tasmanian manufacturer, demand across UHT dairy, plant-based beverages and contract manufacturing was creating real growth potential.

But rising ingredient, packaging, energy, labour and freight costs, combined with export order timing and longer receivable cycles, placed pressure on working capital.

Working closely with Sam Ralton, Octet’s Director Working Capital Solutions (VIC, SA, TAS), the business secured a tailored finance package combining OctetDebtor, OctetTrade and a Term Loan.

The structure was designed to support production, supplier payments and investment without diluting ownership.

With stronger access to working capital, the business can now:
✅ fund ingredients, packaging and production with greater certainty
✅ accept larger domestic and export orders
✅ strengthen supplier relationships
✅ invest in productivity and manufacturing resilience

This client story highlights how flexible working capital finance can help production-led, export-focused businesses scale with confidence.

👉 Read the full story to learn more: https://www.octet.com/resources/case-studies/debtor-finance-dairy-manufacturer-growth

14/05/2026

The 2026 Federal Budget puts cash flow and working capital back in focus for Australian businesses.

Key measures to watch:

👉 Permanent $20,000 instant asset write-off for small businesses, helping bring forward tax benefits on eligible equipment and asset investment.

👉 Two-year loss carry-back relief for businesses with turnover up to $1 billion, supporting liquidity by allowing eligible tax refunds from prior-year profits.

👉 Fuel-user relief and interest-free loans for manufacturing and logistics businesses, aimed at easing cost pressure from fuel volatility.

👉 Red-tape reduction, with the Budget outlining a $10.2 billion annual regulatory burden cut.

CPA Australia, however, says the Budget could undermine investment, productivity and business confidence.

While PwC notes the Budget was delivered against short-term global shocks and the need for long-term economic repair.

Budget support helps, but disciplined working capital management remains critical. https://www.octet.com/

06/05/2026

Pay your suppliers today. Repay us later.

Upfront supplier payments shouldn't mean empty bank accounts.

OctetTrade is a finance solution that frees-up your working capital while extending your reach. Both locally and globally.

Find out more: https://www.octet.com/products/trade-finance