Global and local shocks are putting unprecedented pressure on Australian businesses’ cash flow. From shipping delays and higher freight costs to currency swings and new trade rules, many businesses are finding it harder to plan with confidence.
For commercial finance brokers, this environment is an opportunity. By partnering with a specialist in working capital finance like Octet, you can give your clients the tools to stay resilient – while you can earn upfront and ongoing commissions and your choice of either Qantas Points or Velocity Points.
Key challenges your clients are currently facing
Today’s businesses are facing a “perfect storm”:
- Supply chain volatility: congested ports, climate-related disruptions, and geopolitical tensions are stretching lead times and inflating costs.
- Inflation and rising inputs: materials, freight, fuel and wages are climbing, while interest rates and compliance costs add pressure.
- Currency and trade policy risk: FX movements, tariffs and customs changes increase uncertainty for importers and exporters.
- Slow payments: long receivables cycles and seasonal dips leave cash flow exposed.
Recent ABS data shows more than 40% of Australian firms still experience supply chain delays, while surveys suggest nearly 80% of SMEs have faced cash flow strain in the past year.
Why working capital finance could be a solution brokers can trust
Working capital finance gives businesses the liquidity and flexibility to manage uncertainty – and seize opportunity. Instead of tying up cash in inventory or unpaid invoices, funding solutions unlock capital so businesses can:
- Stay ahead of costs: cover supplier payments, freight, or inventory purchases without draining reserves.
- Smooth cash flow gaps: bridge the time between paying suppliers and receiving customer payments.
- Seize growth opportunities: place larger orders, enter new markets or invest in tech, even when reserves are tight.
- Negotiate better deals: pay suppliers promptly to secure discounts or priority stock.
- Manage risk proactively: buffer against late payments, currency fluctuations or sudden disruptions.
For brokers, introducing these tools can build deeper trust by helping clients plan, forecast and grow despite turbulence.
Our Partner Referral Program offers real value for you and your clients
Working capital finance requires expertise in trade, supply chain and cash-conversion cycles. Partnering with a specialist like Octet gives you broader solutions – beyond conventional loans, you can offer flexible funding tied to a client’s actual cash flow needs. Octet works alongside brokers, helping assess clients’ working capital position and structure tailored finance strategies.
Octet’s Referral Partner Program is built for brokers who want to add working capital expertise to their offering:
- Tailored solutions for your clients – Octet can structure trade, debtor or supply-chain finance around specific needs, industry exposure or FX risks.
- Competitive commissions – upfront and trailing income streams reward your role in supporting clients.
- Frequent flyer rewards – earn your choice of Qantas Points or Velocity Points on eligible settled deals, plus additional benefits like Qantas Club Membership or Gold/Platinum Velocity Membership.
- Dedicated support – a relationship team helps you identify opportunities, structure proposals and guide clients through onboarding.
And until 31 October 2025, every eligible deal referred earns twice the points!
A stronger future for brokers and businesses
Cash flow pressure isn’t going away. But commercial finance brokers who add working capital finance to their toolkit can empower clients to act decisively, even in volatile times. With Octet’s Referral Partner Program, you gain the expertise, products and incentives to deliver more – from bespoke funding to frequent flyer rewards on eligible settled deals.
Register for the Referral Partner Program and discover how to broaden your offer, reward yourself, and help Australian businesses thrive despite uncertainty.
Disclaimer: These comments are only our views and should not be construed as advice. You should act using your own information and judgment. Although information has been obtained from and is based upon multiple sources the author believes to be reliable, we do not guarantee its accuracy, and it may be incomplete or condensed. All opinions and estimates constitute the author’s own judgment as at the date of publication and are subject to change without notice.
