Pay early. Unlock savings. Grow faster.
Suppliers reward early payment with meaningful discounts. But paying early shouldn't drain your working capital. Octet funds the payment upfront so you capture the savings and keep your cash flow intact.
Unlock every discount. Without the cash flow trade-off.
Take every discount offered.
Octet bridges the gap between discount opportunities and cash availability, helping you systematically unlock savings across your entire supplier base.
Take every discount offered
Stop choosing which discounts to capture based on available cash. Octet pays your suppliers within their discount window so you can take advantage of every early payment offer across your supply chain.
Preserve your working capital
Get up to 120 days to repay Octet while immediately capturing the supplier discount. You maintain healthy cash reserves for operations, growth, and unexpected needs without sacrificing savings.
Gain a competitive advantage
When competitors pass on early payment discounts due to cash constraints, you capture them systematically. Those savings compound across suppliers, creating measurable margin improvement and stronger supplier relationships.
The discount often covers the cost.
Early payment discounts might even exceed your financing costs. These discounts can be highly attractive when annualised, meaning you're often capturing net positive margin on every payment while preserving your working capital.
The hidden profit in your payment terms.
Learn how businesses are turning early payment discounts into measurable margin improvement, and why capturing these opportunities should be part of every business's working capital strategy.
Purpose-built funding to capture every supplier discount.
Octet's working capital solutions help you take advantage of early payment terms without compromising your cash position or touching your banking facilities.
Trade Finance
Octet Trade Finance is built for capturing early payment discounts. We fund your supplier payment within their discount window. You capture the % savings immediately. Then repay Octet over 30–120 days. It's the systematic way to unlock supplier discounts without draining working capital.
Why businesses use Octet to optimise supplier payment terms.
Manage funding, payments, and suppliers in one secure platform. Every feature is built to give you speed, visibility, and control across your Trade Finance facility.
Next-Gen Digital Wallet
Store, manage and move funds with ease. One wallet. Multiple currencies. Full control.
Advanced International Payments & FX
Pay suppliers globally with competitive FX rates and minimal friction. Fast. Secure. Transparent.
Secure Payments
Octet verifies every supplier you pay to ensure funds only flow to legitimate, verified accounts, protecting your business from fraud and compliance risks.
Bank-Grade Security
Protect every transaction with enterprise-level encryption and multi-factor authentication. Your data stays yours.
Earn Frequent Flyer Points
Turn everyday business spend into rewards. Make business payments, earn points. It’s really that simple.
A working capital platform to manage it all.
No more juggling systems or providers. Octet connects your supply chain from sourcing to settlement all in one secure platform to make it easy to fund supplier payments, unlock cash flow from your unpaid invoices and use your own capital or ours.
Your business finance, centralised.
Whether you're buying or selling, we help you transact faster, with fewer clicks, and more certainty.
Built for Business.
Proven by Numbers.
$5B+
Business funding facilitated on our platform
$2B+
Trade transactions across 70+ countries
200K+
Buyers and suppliers connected worldwide
4,700+
Australian businesses powered by Octet
16+
Years of business finance expertise
5
Offices across Australia and China
Numbers tell one story. Our customers tell a better one.
View all stories“Our Partnership with Octet has been really important for the growth of our business. It takes a lot of expense to launch new brands to market and continue to innovate. Octet have proven for over a decade to be the right finance partner for us.”
Ann Cattelan
CEO, Go Vita
Marc Levin
Co-founder and CFO, JasonL
DZ
Daniel Ziccardi
Managing Director, Skillforce Recruitment