Octet

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

06/05/2026

𝗧𝗵𝗲 𝗥𝗕𝗔 𝗵𝗮𝘀 𝗹𝗶𝗳𝘁𝗲𝗱 𝘁𝗵𝗲 𝗰𝗮𝘀𝗵 𝗿𝗮𝘁𝗲 𝘁𝗼 𝟰.𝟯𝟱%. 𝗧𝗵𝗮𝘁'𝘀 𝘁𝗵𝗲 𝘁𝗵𝗶𝗿𝗱 𝗵𝗶𝗸𝗲 𝘁𝗵𝗶𝘀 𝘆𝗲𝗮𝗿.

It fully unwinds 2025's cuts and takes us back to the previous cycle's peak. Some economists are warning more hikes could follow.

The pressure points for Australian businesses:
⚠️ Headline inflation at 4.6%, with ANZ tipping a 5% peak in the June quarter
⚠️ Middle East conflict driving up fuel and commodity prices
⚠️ Second-round effects starting to flow through to broader goods and services
⚠️ Borrowing costs climbing just as input costs surge
⚠️ Supply chains still under strain from global disruption
⚠️ Tighter lending conditions making traditional finance harder to access

The result? Margins squeezed. Cash flow tightened. Forecasting harder than ever.

And next Tuesday's Federal Budget adds another layer of uncertainty.

Treasurer Jim Chalmers has flagged a productivity package, a savings package, and possible tax reform on 12 May — meaning businesses must brace for further policy shifts on top of today's rate rise.

💵 Working capital is no longer a back-office concern. It's a strategic priority.

At Octet, we help businesses unlock cash flow with flexible trade and invoice finance — giving you the breathing room to manage costs, pay suppliers, and seize opportunities when others can't. https://www.octet.com/

30/04/2026

What does a real business turnaround look like when cash flow is under pressure?

After restarting operations post-administration, this Australian freight business faced significant challenges, with suppliers moving to COD terms and funds tied up in receivables.

Despite strong demand, rapid growth only intensified the cash flow gap.

Working closely with Tony Ahdore, Octet’s Director Working Capital Solutions (VIC), the business secured a tailored OctetDebtor finance facility designed around its new operating model.

Tony’s hands-on approach ensured the solution addressed both immediate pressures and future growth.

With improved access to working capital, the business:
✅ stabilised operations
✅ met key obligations
✅ rebuilt supplier confidence

This turnaround story highlights how Octet's approach to flexible funding and tailored solutions can help businesses recover and grow.

👉 Read the full story to learn more: https://www.octet.com/resources/case-studies/debtor-finance-restores-cash-flow-for-freight-business

27/04/2026

They shall not grow old, as we that are left grow old.
Age shall not weary them, nor the years condemn.
At the going down of the sun, and in the morning.
We will remember them.
Lest we forget.

16/04/2026

𝗦𝗽𝗲𝗲𝗱 𝗮𝗻𝗱 𝗳𝗹𝗲𝘅𝗶𝗯𝗶𝗹𝗶𝘁𝘆 𝗺𝗲𝗲𝘁𝘀 𝗰𝗹𝗶𝗲𝗻𝘁 𝗲𝘅𝗽𝗲𝗰𝘁𝗮𝘁𝗶𝗼𝗻𝘀 𝘁𝗼 𝘄𝗶𝗻 𝗱𝗲𝗮𝗹.

Octet recently supported a Victorian smallgoods manufacturing business with a tailored funding solution settled in an expedited timeframe to suit the client's needs.

Like many businesses in this sector, they were experiencing cash flow pressure due to long payment terms from major customers and upfront costs for raw materials and production.

This created a working capital gap.

They had already been approved by another non-bank lender - but approval wasn’t the problem. Speed, flexibility and certainty were.

With a tight deadline driven by stakeholder availability, we were given a narrow window to deliver — and that’s where our approach made the difference.

By combining an OctetDebtor facility to unlock cash tied up in receivables, with an OctetTrade line of credit to fund supplier payments, Octet provided a more complete working capital solution — aligned to how the business actually operates.

"Our ability to move quickly, apply pragmatic credit assessment, and structure facilities flexibly meant we could meet the deadline and get the deal settled on time," explains Dan Verdon, Director Working Capital Solutions - NSW.

The result:
✅ Immediate improvement in cash flow
✅ Confidence to continue trading and growing
✅ A new broker relationship built on delivery

A big thank you to our new commercial finance broker partner for the opportunity and collaboration throughout the process.

This is exactly where we see the market shifting - businesses don’t just need funding, they need responsive, tailored solutions that keep up with the pace of their operations.

Reach out to the team at Octet to see how we can structure a solution around your business. https://www.octet.com/

08/04/2026

Read our article in The Adviser Magazine: In 2026, is the role of the commercial finance broker evolving from finance arranger to cash flow adviser?

https://www.theadviser.com.au/broker/48258-help-your-clients-optimise-cash-flow-and-be-rewarded

In 2026 Australian businesses face:
• rising costs
• tighter compliance
• supply chain uncertainty

This makes cash flow management critical.

For commercial finance brokers, this creates an opportunity to move beyond lending and deliver strategic advice.

By leveraging working capital solutions and partnerships like Octet, through our Referral Partner Program, brokers can help clients stay resilient whilst being rewarded.

01/04/2026

𝗧𝗵𝗲 𝗥𝗕𝗔 𝗿𝗲𝗹𝗲𝗮𝘀𝗲𝗱 𝗶𝘁𝘀 𝗥𝗲𝘃𝗶𝗲𝘄 𝗼𝗳 𝗠𝗲𝗿𝗰𝗵𝗮𝗻𝘁 𝗖𝗮𝗿𝗱 𝗣𝗮𝘆𝗺𝗲𝗻𝘁 𝗖𝗼𝘀𝘁𝘀 𝗮𝗻𝗱 𝗦𝘂𝗿𝗰𝗵𝗮𝗿𝗴𝗶𝗻𝗴 𝗖𝗼𝗻𝗰𝗹𝘂𝘀𝗶𝗼𝗻𝘀 𝗣𝗮𝗽𝗲𝗿.

These are major reforms to Australia’s payments landscape.

Key changes include:
⚠️ removing surcharging on eftpos, Visa and Mastercard
⚠️ lowering interchange fee caps
⚠️ increasing transparency to drive competition among providers

While designed to reduce system costs over time, impacts will vary.

Businesses will no longer be able to pass on card fees directly, creating short-term margin pressure and potential cash flow strain.

Although lower interchange fees should offset some costs, benefits may take time to flow through.

Industries with high card usage and thin margins, eg
▶️ Hospitality
▶️ Retail
▶️ Transport
are most exposed to near-term cash flow impacts.

With implementation starting October 2026, businesses should review pricing, payment mix and provider arrangements now to protect margins and maintain cash flow resilience.

If these changes impact your cash flow, contact Octet to explore tailored working capital solutions designed to support your business through this transition. https://www.octet.com/