Payment platform
Get B2B invoices paid faster and earn rewards
Built for Australian Businesses. Two products, one account. Cash-in unpaid invoices the day you send them, and earn rewards on the supplier bills you already pay. It’s a win-win.
No loans. No subscriptions. No minimums. No lock-in.
About Marmalade Payments
Marmalade sits between the money you are owed and the bills you pay. Thousands of local Australian B2B businesses use it to get paid sooner, and to earn on the spend they already have. Every payment gives you more back. Whether you’re getting paid, or doing the paying.
Get paid the day you invoice, then earn on the bills you already pay. No debt, no lock-in.
Accounting sync on
Payments on Demand
Points on Payments
32.4K+
Businesses are on Marmalade Payments
From sole traders to established operators, Australian B2B businesses use Marmalade Payments to get paid sooner and to earn on the spend they already have.
A few more numbers
1.1M+
Invoices & bills processed securely
+24%
SMB growth in their first year
$1.4B+
Receivables and payables processed
4.8
Rating on Xero App Store
4.1
Rating on Google Business
Why Marmalade
No debt. No lock-in.
No surprises.
Whichever product you use, the rules are the same. You choose when to use it, you see the cost before you commit, and there is nothing to pay when you don’t.
Money when you want it
Cash-in an invoice or pay a bill on the day that suits you. Nothing happens automatically.
Not debt, not a facility
Nothing lands on your balance sheet, there is no facility limit and no personal guarantee to sign.
One fee, only when you use it
You see the exact cost before you commit. No subscriptions, no minimums and nothing to pay in a quiet month.
Our products
Two products.
Money in, or points back.
One connection to your accounting software. Use whichever product fits how your business works, or use both.
Payments on Demand
Get paid the day you invoice
For business owners tired of waiting 30, 60 or 90 days to get paid. Cash-in an approved invoice and the money lands the same day, while your customer keeps their terms.
Points on Payments
Earn M-Coin on the bills you already pay
For businesses already paying suppliers, rent and bills every month. Pay them using Points on Payments and earn M-Coin on spend that was leaving your account anyway.
Integrations
Works with software you already use
Marmalade Payments reads your invoices and bills from your accounting software, then syncs the payments back.
No double entry
Bills and invoices come straight from your accounting software. You never key anything in twice.
No manual reconciliation
Payments land back in your ledger already matched, so nobody’s ticking off rows on a Sunday.
More of what you love, less of the numbers
You didn’t start the business to do data entry. Get back on the tools and let the admin look after itself.
Rewards partners
The rewards programs your business already uses.
Marmalade Payments partners with Qantas Business Rewards and Virgin Australia Business Flyer. Pay eligible bills with Points on Payments, earn M-Coin, then convert it into whichever program you are already in.
Qantas Business Rewards
Convert M-Coin into Qantas Points with Qantas Business Rewards.
Virgin Australia Business Flyer
Earn and redeem Velocity Points for your business on flights, credit cards, car hire, hotels and more, as a Virgin Australia Business Flyer partner.
Business spotlight
Real businesses. Real numbers. Real stories.
Thor Building Products has supplied insulation to Australian homes for over two decades. Here is what changed when it stopped waiting on invoices to get paid.
How Thor Building Products turned invoicing into a cash-generating engine
“Now the tough times aren’t so tough. If Marmalade existed when we started, I don’t know how big Thor would be by now.”
Marmalade
17 Feb 2025 · 1 min
$230K+
Saved every year
Removing debtor insurance and bank finance took a fixed cost out of the business, with no debt and no personal guarantees.
17%
Revenue growth in year one
Invoices paid the day they are issued gave Thor the working capital to reinvest in materials and take on more work.
50+ hrs
Saved every month
Automated reconciliation and follow-up on overdue invoices freed the admin team from chasing payments.
Our reviews
What our customers say
Marmalade has helped our business to be able to have cash flow in times when things are tight. It works out cheaper than a lot of other options.
I’ve been very impressed by the offering and service from the team at Marmalade.
Simple, easy and transparent! A much better solution to Invoice Factoring and other cashflow solutions I have looked at
Marmalade has been a game-changer for my business. It has provided me with the support my business needed, and I’m confident it can do the same for others.
If you use Xero and follow their onboarding instructions it’s great and straight forward.
Fantastic service and team
Marmalade has helped our business to be able to have cash flow in times when things are tight. It works out cheaper than a lot of other options.
Easy to use platform
Great product, offered with great service and support in the background. The product is very helpful in unlocking cashflow and keeping on top of supplier bills and wages.
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.
Great product that has unlocked our businesses growth potential by allowing us to manage our cashflow more effectively. Very easy to use!
being stuck in a cash flow headlock, marmalade unlocks it and allows us to hit growth quicker. Great product, even better team. Do yourself a favour and implement it in your business.
Great product, wish I found it earlier.
Marmalade has given us the peace of mind to take on larger projects and allowed us to work with clients that request longer terms of payment! absolute game changer for our business & our only regret is that we didn’t discover them sooner!
Two products. One place to start.
Tell us about your business once. From there you can apply for Payments on Demand, or sign up to Points on Payments right away, whichever you need first.
No credit card required. No fees to join.