Get paid today. Early invoice payment for businesses.
Wages and suppliers won’t wait 60 days. Your customers often do.
Tired of waiting 30, 60, even 90 days for clients to settle the invoice? Payments on Demand closes the business cashflow gap. Cash-in any eligible invoice for one simple fee — no interest, no lock-in contracts, no personal guarantees — and get paid the same day you issue it.
Your customers keep paying on their normal terms, and reconciliation into Xero, MYOB or QuickBooks happens automatically. To get started, apply today to see if we can support your business.
Trusted by businesses across Australia
Introducing
Marmalade’s Payments on Demand
Get paid early on invoices with Marmalade’s Payments on Demand. It lets you collect an invoice’s value the day you issue it, instead of waiting out your customer’s terms.
Different from invoice financing and debtor finance, which are credit facilities secured against your whole receivables ledger. Used across Australia by businesses on 30–90 day terms: construction, transport, labour hire, manufacturing, wholesale and professional services.
Why Marmalade
Why businesses choose Marmalade Payments
You’re bankrolling your customers. Week after week.
Wages go out. Suppliers want paying. Stock and overheads keep running. Meanwhile the invoices you’ve already earned sit unpaid for 30, 60, sometimes 90 days, and your business funds the difference out of its own working capital, every single month.
Payments on Demand isn’t a loan. Your assets stay out of it.
No property security, no personal guarantees, no director exposure, and nothing on the balance sheet. Your business qualifies on the strength of its invoices and the customers paying them, so a slow-paying client doesn’t limit what you can take on next.
Grow without taking on risk.
Bigger customers, longer cycles, new opportunities. Take them on without a director liability, an encumbered property, or a debt covenant to breach in a quiet quarter. Businesses using Marmalade report an average 24% growth in their first year.
How it works
Here’s how to get early invoice payment with Payments on Demand
Marmalade pays you for an unpaid invoice today, then collects from a secure clearing account when it’s due. One fee per use, no debt, no lock-in.
Step 1
Invoice like you always do
Keep using Xero, MYOB or QuickBooks exactly as you do now. Your terms, your branding, your client billing. Nothing changes. Just swap in the new banking details we give you for the customers you want to pay into it.
Step 2
Pick an invoice to cash-in
Invoices sent with your new bank details appear in Marmalade on their own. Choose whichever one you want paid today and tap the button to cash-in. One fee of 2.5 to 4.9 percent, set by your customer’s creditworthiness. No interest, no ongoing charges.
Step 3
It’s pay day
The money is in your account within hours. Your customer still pays by the same date they originally agreed, into a secure clearing account, and the reconciliation flows straight back into your accounting platform.
One fee per use. No debt, no lock-in.
How much money are you sitting on?
Based on your inputs, you’re sitting on
$63,333
Waiting in invoices now
$65,000
Waiting if paid in 1 day
$1,667
Days you’re paid earlier
38 days
An estimate from your own inputs. Terms and conditions apply.
$
days
day
How it compares
Payments on Demand vs the alternatives
| Feature | Marmalade | Business loan | Overdraft | Invoice finance / factoring |
|---|---|---|---|---|
| Debt on the balance sheet | No | Yes | Yes | Usually |
| Interest | None | Yes | Yes | Yes |
| Personal guarantee | No | Common | Common | Common |
| Property security | No | Common | Common | Sometimes |
| Lock-in contract | No | Yes | Yes | Yes |
| Whole ledger committed | No, invoice by invoice | n/a | n/a | Usually |
| Speed to funds | Same day | Weeks | Days to weeks | Days |
| Cost basis | One fee per invoice cashed in | Ongoing interest | Ongoing interest | Fees plus interest |
The practical difference is commitment. A loan, overdraft or invoice finance facility commits your business for a term, usually against security and often across the whole receivables ledger. Early invoice payment commits nothing: you cash-in one invoice when you need to, pay one fee for it, and leave every other invoice alone. There’s no facility sitting open, no minimum drawdown, and no cost in the months you don’t use it.
By industry
What getting paid early looks like across industries
Cash flow gaps look different depending on what you do. Choose your industry to see how early invoice payment works for businesses like yours.
Construction
Progress claims certify at 45 days. Subbies invoice weekly.
Transport
Fuel and driver wages go out weekly. Consignments come back in 45 days.
Labour hire
Payroll and WorkCover run Thursday. Clients pay in 45 days.
Manufacturing
Materials and labour are paid before the order ships.
Wholesale
You pay suppliers on 30 days and carry trade accounts for 60.
Services
You bill the work, then wait 60 days or more to be paid.
We’ve got the receipts
Trusted by 32.4K+ businesses across Australia
Marmalade has been amazing for us. We get paid faster than ever and it has taken the stress out of chasing invoices.
Peter Maidment
CEO, Boult Masters Brisbane
Average growth in the first year
24%
$2.2B
Processed for Australian businesses
Integrations
Works with the accounting platform you already use
Marmalade Payments connects directly to Xero, MYOB, and QuickBooks. Invoices sync automatically, cash-ins reconcile themselves, and your bookkeeping doesn’t change.
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.
Get started
Cash-in your B2B invoices by end of business.
Connect your accounting platform and get an eligibility outcome within minutes. No application fee, and no obligation to cash-in.
Frequently Asked Questions
Have more questions? Get all the answers.
View all FAQsBusinesses pay wages, suppliers and overheads weekly but invoice customers on 30-60 day terms, creating a cash flow gap between what they’ve earned and what they’ve been paid. Early invoice payment closes that gap without loans or personal guarantees.
Eligibility is assessed within minutes of connecting your accounting platform. Cash-in approvals are paid to your bank account within hours.
Marmalade works with businesses across most industry types, labour hire, manufacturing, wholesale and professional services. Eligibility is based on the invoices you sell and your customer’s creditworthiness, not your industry or how long you’ve been established.
Yes. You choose which invoices to cash-in with no obligation to cash-in every invoice. Every other customer continues on the payment terms you’ve already agreed.
A single fee of 2.5 to 4.9 percent per invoice, based on your customer’s creditworthiness. No interest, no ongoing charges, no lock-in contracts.