Early Invoice Payment

Early Invoice Payment For
Small Businesses

You pay wages and suppliers before customers pay you.

Payments-on-Demand lets small businesses get paid the same day they invoice, without loans, personal guarantees, or changing how customers pay.

Get a decision todaySee how it works →

$2.2B processed

4.8 rating · Xero App Store

Small business owner.
Same-day payment
Get your invoices paid today

Trusted by small businesses across Australia

Why Marmalade

Why small businesses choose Marmalade

You are bankrolling your customers. Every week.

Wages go out and suppliers want paying. Stock and overheads keep running. Invoices sit unpaid at 45 days. Your business carries the cash flow gap, week after week.

Payments-on-Demand is not a loan. Your assets stay out of it.

Your business is qualified based on your invoices. No property security, no personal guarantees, no director exposure.

Grow the business without taking on risk.

Bigger customers, longer cycles, new opportunities. Without director liability, encumbered property, or balance sheet debt.

How it works

How early invoice payment works for small businesses

Connect your accounting platform and get an eligibility outcome within minutes.

01

Issue invoices your way

Keep your accounting platform, your terms, and your client billing. Automated reconciliation into Xero, MYOB, or QuickBooks.

02

Cash-in any eligible invoice

One fee: 2.5 to 4.9 percent, based on your client’s creditworthiness. Same-day funds. No interest. No ongoing charges.

03

Customers pay on their normal terms

Your customers receive monthly statements using your branding and pay on their normal terms.

Marmalade product / app screenshot
Trusted by small businesses across Australia

Here’s why businesses
trust Marmalade

We doubled in size within two years without borrowing. Marmalade made scaling possible without the balance sheet risk.

Trafficwerx NT logo

Marmalade has given us the freedom to run payroll with confidence, no matter when clients pay.

Point Force Labour logo

Ready to talk to our specialists?

Get a decision today.
Cash in your invoices by end of business.

Connect your accounting platform and get an eligibility outcome within minutes.

Get a decision todaySee how it works →

$2.2B processed

4.8 rating · Xero App Store

Frequently asked questions

Small businesses pay wages, suppliers and overheads weekly but invoice customers on 30-60 day terms. Early invoice payment closes that cash flow 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 small businesses across construction, manufacturing, services, transport and wholesale. Eligibility is based on your invoices, not your industry or business size.

Absolutely. You choose which invoices to cash-in. There is no obligation to cash-in every invoice, and your customer terms remain in your control.

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.