Your Business Partner for Payment-on-Demand

A seamless, innovative first-to-market platform that enables B2B Payment-on-Demand. Join your new business partner in payment & capital growth. Designed to support growing B2B businesses across Australia.

Try Payment-on-Demand today.

Real-time, flexible payment solution that's

We are:

  • Technology-driven
  • Lightning-fast payment
  • Full cashflow control
  • Seamless integration

We provide:

  • Free reconciliation
  • Risk-free
  • Contract-free
  • Transparent one-off fee per transaction

See how Marmalade can unlock the potential for your business growth

Integration partner with

XeroQuickBooksMYOB
  • Empower your Customer Control

    01

    Empower your Customer Control

    We put the power back in your hand to get invoices paid when you want. Retain full autonomy over your cash flow, customer relationships and trading terms.

  • Paid on your terms

    02

    Paid on your terms

    Clear, predictable fees that you only pay when you cash-in—a one-off fee of 3.5–5.5% for each invoice cashed-in.

    Request Demo
  • Lightning-fast Payment

    03

    Lightning-fast Payment

    You choose which invoice you want to cash-in. We reconcile and remit all your payments for free.

  • Empowerment through enablement

    04

    Empowerment through enablement

    A seamless, innovative platform integrated with Xero, QuickBooks, and MYOB. Designed to strengthen your finances, remove admin and adapt to your needs—completely risk-free and contract-free.

    Request Demo

What our Customers Say

Marmalade has helped the company grow 17% in the last year alone. And year to date we’re doing much better. The cost saving benefits are significant, we no longer require the debtor insurance products that was $60,000 a year.

Steele Ryan Managing Director | Thor Building Products

What our Customers Say

It has been fantastic working with the Marmalade team to move our practice across. We can use Marmalade instead of Stripe and have access to cash the next day and a back office collections team if we need. Have been super impressed so far.

Russel Miller Director & VCFO | Pacific Accounting

What our Customers Say

Accountants tend to go to traditional forms of finance as the solution, and there’s a place for that. But what Marmalade has done is provide an alternative that should definitely be considered, because it’s probably the better product in a lot of respects and in the right circumstances.

Dylan Byrne Partner, Business Services | BDO

What our Customers Say

Working with Marmalade the last 12 months has had an extremely positive impact on our business. Cash flow is generally an issue for most companies and they have really helped us maintain consistent healthy cash flow enabling us to focus on providing excellent services to our beloved customers.

Jesse Cluer Balar Media Group Pty Ltd

What our Customers Say

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. Marmalade has helped us dramatically. It’s as simple as issuing an invoice and we’ll get the money in our bank that day.

Kathleen Rayner Trafficwerx NT

What our Customers Say

With Marmalade we’re able to bring forward the payment for raw materials on the water and in transit, which means effectively we’ve got the cash to buy more products and allow our business to grow.

Bernard Ode General Manager | Thor Building Products

What our Customers Say

During our growth period it was difficult to maintain and upgrade our fleet and grow. Marmalade has allowed us to grow our business and take it to the next level without having to go to the banks and borrow a huge amount of money under really difficult circumstances.

Chris Boyer Trafficwerx NT

  • Request a demo

    It’s simple. You can do it here.

  • Connect your accounting software
    We support one-click integration with Xero, QuickBooks and MYOB.
  • Update your payment method
    Update your payment details while keeping your regular invoicing terms and payment methods.
  • Select invoices for early payment
    We offer a transparent, one-off fee between 3-5% for your approval.
  • Get paid
    We pay you upfront and your customer pays us.

Others

Easy sign up with ongoing technical support

Complex and intrusive sign up process

100% payment of invoices in real-time, minus a 3-5.5% fee


80% payment of invoices, with the remaining 20% released minus fees upon invoice payment

Uncapped cash-in amount.

Limited access based on several criteria, including a minimum invoice value.

Contract-free.

Inflexible lock-in contracts


Risk-free

Debt-free.

Debts and liabilities registered on business balance sheet


Request Demo

Your payout

$0

Your cash-in fee*

$0

*Find out more about our cash-in fee rates and how we calculate it here