Question 1

How does invoice financing work?

Accepted Answer

You select invoices from your AR, and OCTA advances you cash against those invoices - typically 80-90% of the invoice value. When your customer pays, the advance is settled. You get working capital without waiting for payment terms.

Question 2

How quickly can I get funded?

Accepted Answer

Eligibility is checked instantly. Once you select invoices and confirm, funds typically arrive in your account within hours - not days or weeks.

Question 3

What determines my eligibility?

Accepted Answer

OCTA uses your existing data: customer payment history, invoice patterns, collection rates, and overall business performance. No separate credit applications needed.

Question 4

What's the difference between invoice financing and supplier financing?

Accepted Answer

Invoice financing unlocks cash from your AR (money customers owe you). Supplier financing helps you pay suppliers and purchase orders without draining your cash - extending your payment terms and funding inventory.

Question 5

Are there limits on how much I can finance?

Accepted Answer

Yes, but they're dynamic. Your credit limit adjusts in real time based on your business performance, invoice volume, and payment patterns. As you grow, your limits grow with you.

Question 6

What's the cost?

Accepted Answer

Pricing is transparent and based on the advance amount and duration. You see the cost upfront before confirming - no hidden fees or surprises.

Question 7

Do I need to set up financing separately?

Accepted Answer

No. Financing is built directly into OCTA's AR and AP workflows. Complete a one-time KYC, and eligibility appears automatically on every invoice. No separate applications or platforms.

Invoice Financing – Access Working Capital in 4 Hours