The smartest and fastest way for businesses to get paid.

With Marmalade your business can accept and reconcile any type of invoice payment automatically and receive instant payment for invoices as soon as they’re issued. Say goodbye to cash flow stress forever.

Trusted by 100+ customers

Get your invoices paid early

  • Receive early payment on the invoice you send
  • Only pay when you cash-in an invoice for early payment, everything else is free
  • Cash-in fee per invoice is locked between 3-5% - no sneaky fees
  • Invoices paid within 24 hours
  • Choose which invoices you receive early payment on and those you don’t
  • Invoices are 100% paid and no debt, extensive contracts or guarantees
See our pricing

Accept payments in any way you choose

  • Accept any invoice payment method you and your customers prefer—bank transfer, cards or direct debit
  • Receive free payments across all bank-to-bank invoice payments
  • Zero sign up fees, interest or subscriptions
Product features

Simplify and manage all payment processes

  • Automatic reconciliation of all invoice payments
  • Automatic customer reminders for all outstanding invoices
  • Remove the admin resourcing required to match payments and organise your books
  • No hassling of your customers, we empower you to manage the customer relationship
How it works
"Our payment terms are 30 to 90 days, which has made it really difficult to pay the wages, purchase signs and equipment, improve the standards, and look after our clients"

Kathleen Rayner, Contracts Administrator - Trafficwerx NT

What our customers say about Marmalade

"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 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 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

"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 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 with invoices paid within 24 hours.

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, and without it being a loan to your business.

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

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

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.

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 3% - 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!

Marmalade is hiring

Come and help us achieve our vision of becoming the global standard for invoice payments!


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