Move comes amid flurry of white-label activity among Australian mortgage aggregators
Connective has teamed up with working capital specialist Octet to launch Connective Cashflow within the mortgage aggregator’s Connective Lending portfolio.
The white-label offering is designed to give brokers a new way to fund business clients while diversifying and strengthening their income streams.
It comes ahead of a big payday super regulatory shakeup that is expected to have a dramatic effect on SMEs’ cashflows.
From 1 July, all employers, including SMEs, will be required to pay employees’ super contributions at the same time as their wages. It will replace the current system of paying super contributions quarterly.
Numerous industry experts, including alternative lender Prospa, SaaS platform Lend and Bizcap chief revenue officer Rebecca del Rio have warned business owners against facing the changes unprepared risk.
Through Connective Cashflow, brokers can access trade finance, debtor finance and term loans up to $1.5 million. The lines are aimed at helping SMEs unlock cash tied up in invoices, supplier payments and inventory cycles.
Early broker take‑up has been strong, said Connective, with significant interest post‑launch and a growing pipeline of deals under assessment.
Brent Starrenburg (pictured, left), head of commercial and asset finance at Connective (who is leading the partnership), said: “More SME clients are looking for funding solutions that align to how their businesses operate, not just what they can secure against property. This gives brokers a practical way to solve those challenges, while also creating new revenue opportunities and strengthening long-term client relationships.”
Head of Connective Lending Michael Goerner (pictured, centre) discussed how the initiative reflects a broader evolution of the broker proposition.
“Brokers are moving beyond transactional lending and becoming more embedded in their clients’ broader financial needs,” said Goerner. “This white-label partnership supports that shift, giving brokers the tools to help clients manage cashflow, support growth and navigate more complex funding scenarios.”
Octet managing director Clive Isenberg (pictured, right) said the tie‑up underlines the growing role of brokers in business finance, calling Connective Cashflow “a significant milestone for the industry” that makes it faster and easier to deliver tailored cashflow solutions when SMEs need them most.
Aggregators have supercharged their white-label offerings in 2026.
Just this week, Money Quest Group debuted its white-label lending arm MQG Lending, in partnership with RedZed, Brighten Home Loans and Eastwood Securities.
Mortgage Choice’s Freedom white-label collaboration with Athena Home Loans surpassed $3 billion in loans for the first time in March, while AFG's white-label offering has enjoyed 79% year-on-year growth.
Connective Lending posted record gross settlements of $6.01 billion in 2025, a 20% rise year-on-year.
