Your money, when you want it.

Marmalade enables you to get your eligible invoices paid within 24-hours for one low fee between 2-5%

  • tick No interest
  • tick Zero debt
  • tick No lock-in contracts
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Trusted by 100+ customers

Cash-in your invoices early for one small fee… that’s it!

With Marmalade, cash-in any eligible invoice for one small fee, locked-in between 2-5%. No interest, no hidden fees, no lock in contracts… it’s that simple.

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Take complete control of your cash-flow

You choose the eligible invoices you wish to cash-in and exactly when you want to do it. Simply select your invoice, view your cash-in fee and receive payment within 24-hours!

How it works
 
Thor rhino quote
"The days of waiting up to 60 or 90 days to be paid are over. Marmalade turns invoices into cash whenever I need it and has removed cash-flow stress from my business forever"

Steele Ryan - Managing Director, Thor Building Products

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What our customers say about Marmalade

“Marmalade has been amazing for us. We get paid faster than ever and it has taken the stress out of chasing invoices. We’re now able to take on bigger commercial jobs and get paid straight away, typically we would have been waiting 60+ days”

Pete Maidment, Brush Masters Brisbane

"Marmalade is great. We used to use a Factoring service but it was all too hard. Marmalade is very simple, straightforward and cost-effective. It gives us so much more flexibility and peace of mind that we’re going to get paid exactly when we want, it’s so quick"

Joe Misiti, Misiti Logistics

"Marmalade has had a huge impact on our business. It allows us to take on the bigger jobs as we can be confident we’ll have the cash-flow to purchase product up-front and pay our staff that might have been a risk otherwise"

Dale Missen, OzPave

"The days of waiting up to 60 or 90 days to be paid are over. Marmalade turns invoices into cash whenever I need it and has removed cash flow stress from my business forever!"

Steele Ryan, Thor Building Products

Marmalade makes managing your cash-flow easy

Forget about adding another time-stealing process to your business – the platform is simple to use and seamlessly connects to Xero to make admin easy.

No jumping through hoops with credit applications, financial checks or absurdly long forms – Marmalade is not a lender! Getting the cash-flow you need is as fast as a couple of clicks.

No lock in contracts, sneaky hidden costs or subscriptions. You will always see the one time fee clearly displayed before you cash-in.

Marmalade FAQs

How does Marmalade work?

After completing the sign-up process, Marmalade will be the default payment method offered to your customers. Your customers will pay their invoices as usual.

The way Marmalade is different is that we give you the option to get those invoices paid ('cashed-in') whenever you want, without needing to wait for your customers to pay.

By offering Marmalade as your invoice payment method, you create the option to unlock your cash-flow whenever you want.

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Is Marmalade right for my business?

Any registered business in Australia can sign up with Marmalade if they’re using Xero for invoicing.

However Marmalade will work best for your business if you meet the following criteria:

  • You have a consistent, ongoing cash-flow requirement to grow your business over the next 12 months
  • You issue more than $50k of invoices per month
  • You have more than 5 customers who have received an invoice in the past 30 days
  • You have more than 3 months of Xero invoice payment history
  • You have an ongoing cash-flow requirement, not an immediate one-off need for capital
  • You invoice Australian-based businesses
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How do I sign-up with Marmalade?

Signing up for a Marmalade account is quick and easy.

  1. Connect with our team
  2. Verify your identity
  3. Add the Marmalade Payment details to your invoices

Our customer service team will guide you through this process once you begin the signup.

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How much does Marmalade cost?

If you choose to Cash-in an invoice before your customer has paid it, you will be charged a one-time fee, locked between 2% - 5%. You’ll be clearly informed of that fee, for each invoice, before you cash-in so you can decide which ones to choose.

When your customer pays an invoice with Marmalade you will not be charged anything. Credit cards will be surcharged at 1.75% + $0.30 per transaction.

The only time you pay anything is when you cash-in an invoice. Otherwise, we're completely free!

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