UAE-based fintech OCTA has secured a $20 million credit facility from the Sukna Fund for Direct Financing (SFDF), marking a significant leap in its mission to simplify financial operations for small and medium-sized enterprises (SMEs). The deal will enable OCTA to embed short-term working capital financing directly within its platform, streamlining access to credit for growing businesses.
Traditional lending models often require cumbersome applications and fragmented integrations, but OCTA flips the script. Its platform integrates financing into the natural flow of invoicing and payments, enabling businesses to access funds the moment receivables are issued or payables are due—bridging the painful 60- to 90-day cash flow gap that stifles many SMEs.
“Most SMEs don’t fail for lack of revenue—they fail because their cash is locked up,” said Jon Santillan, OCTA’s Co-Founder and CEO. “This partnership with Sukna Fund brings funding right into the heart of a business’s daily operations.”
The facility is seamlessly delivered through OCTA’s proprietary system and synced with each company’s existing financial workflows. Repayments are automated and aligned with real-time collections or scheduled payouts, reducing friction and aligning financing with actual cash cycles.
“We’ve built the infrastructure that automates how money moves,” added Co-Founder Nupur Mittal. “Now we’re automating how it gets funded.”
Sukhdev Hansra, Head of Asset Management at Sukna Capital, described OCTA as “an embedded distribution layer where capital can flow instantly, transparently, and in step with business operations.”
Since launching in 2024, OCTA has evolved into a full-stack contract-to-cash platform—covering invoicing, payments, collections, and now embedded credit. The company aims to help SMEs unlock liquidity, boost efficiency, and reduce dependence on traditional lenders.
