How a QLD transport company secured $10M in Debtor Finance to fuel post-restructure growth

With over 15 years of successful operations and a diverse portfolio of subsidiary companies across freight, transport, civil maintenance and traffic management, this Brisbane-based business had built a strong market position. However, as they entered a restructuring phase, they faced a critical challenge: maintaining sufficient cash flow to support ongoing operations whilst implementing strategic changes.

The restructuring period created several pressures:

• Immediate working capital requirements to support day-to-day operations across multiple subsidiaries
• Debt management needs to stabilise the business's financial position
• Growth opportunities that required capital to pursue, but couldn't wait for lengthy approval processes
• The need for flexible funding that could adapt to a business in transformation

As an unlisted public company with sophisticated investors and existing banking relationships, they needed a complementary finance solution that could move quickly and provide substantial funding based on their established trading record.

Based on financial consultant advice, the company approached Octet to explore a cash flow solution.

Octet recognised the opportunity to support this established business through its transformation phase. Due to the company's 15-year successful trading record and substantial operations, Octet was able to move quickly to assess and structure an appropriate solution.

Octet delivered a comprehensive funding package:

• $10M Debtor Finance facility to unlock cash flow tied up in outstanding invoices
• $75K Trade Finance facility for additional operational flexibility

The Debtor Finance facility was the centrepiece of the solution, allowing the business to access up to 85% of their accounts receivable immediately—rather than waiting up to 60 days for customer payments. This converted their invoice book into working capital that could be deployed across their operations.

The facility was structured to:

• Provide immediate access to substantial working capital
• Support the business through its restructuring phase
• Complement existing banking and investor relationships
• Scale with the business as it returned to its growth trajectory

This much-needed cash injection helped the company to reduce debt and stabilise its business operations during a critical transformation period.

The outcomes included:

• Improved cash flow position through immediate access to funds tied up in receivables
• Reduced debt levels providing greater financial stability
• Stabilised operations across all subsidiary companies
• Enhanced ability to capitalise on opportunities that would have otherwise been missed
• Clear pathway to targeted annual turnover with unrestricted growth potential

The Debtor Finance facility cleared the road for growth and success, putting the company back on track to reach its targeted annual turnover. With reliable access to working capital, the business could focus on executing its strategic vision rather than managing short-term cash flow pressures.

The revolving nature of the facility meant that as customers paid their invoices, the facility reset—providing ongoing access to working capital as the business continued to trade and grow through its transformation phase.

For transport, freight and logistics businesses managing growth, restructuring, or working capital challenges, Debtor Finance (also known as Invoice Finance) can provide the cash flow flexibility you need to keep operations running smoothly.

Rather than waiting 30, 60, or even 90 days for customers to pay, you can access up to 85% of your invoice value immediately—converting your accounts receivable into working capital that can be deployed across your business.

Octet specialises in tailored Debtor Finance solutions for the transport and logistics sector, with facilities scaled to match your trading history and operational needs.

Talk to our team today to discuss how Octet's Debtor Finance solutions can support your transport business. We'll assess your situation and structure a facility that works for your specific needs and growth objectives.