We just secured a $20M Credit Line to close the gap between work and cash

By Jon Edward Santillan, Co-Founder & CEO, OCTA

When we started OCTA, we had one focus: fix how businesses handle financial operations, starting with accounts receivable.

When we started OCTA, we had one focus: fix how businesses handle financial operations, starting with accounts receivable. We built OCTA to handle it end-to-end. Contracts to collections, all in one system.

Our Progress

We've processed $290 million in invoices and $50 million in payments. Companies like Careem, Lean Technologies, ZenHR, Gameball, and MoneyHash now run their financial ops on OCTA.

Announcement

Today, we're announcing the logical next step: a $20 million credit facility from Sukna Fund for Direct Financing. The facility launches Q3 2025 for SMEs in Saudi Arabia. To see how OCTA's AR automation powers the cash cycle that made this possible, see Top AI Tools for Automating Accounts Receivable in 2026 and Best AI Finance Automation Platforms 2026.

Closing the Gap Between Work and Cash

For most B2B businesses, there's a painful gap between the moment work is delivered and the moment cash lands in the bank. Invoices go out. Payment terms give customers 30, 45, or 60 days to pay. The business continues operating — paying staff, buying inventory, covering overhead — while waiting for money it has already earned. This gap is the working capital challenge that constrains growth for profitable businesses.

OCTA's $20M credit facility directly addresses this gap by giving eligible SMEs access to liquidity against their receivables — effectively letting them access the cash value of their invoices before the customer pays. Combined with OCTA's AR automation capabilities — which reduce DSO through smarter collections and faster cash application — this creates a two-sided approach to the working capital problem: collect faster, and bridge the gap when you can't.

The facility's launch in Saudi Arabia reflects OCTA's commitment to the GCC market, where SMEs face some of the most acute working capital challenges in the region. We're grateful to Sukna Fund for Direct Financing for their partnership in making this possible, and to the 900+ businesses that have trusted OCTA with their financial operations.