Early Invoice Payment

Early Invoice Payment For
Construction

You fund the build before progress claims clear.

Payments-on-Demand closes the construction cash flow gap. Get paid the same day you invoice, without loans, personal guarantees, or changing how clients pay.

Get a decision todaySee how it works →

$2.2B processed

4.8 rating · Xero App Store

Construction site.
Same-day payment
Get your invoices paid today

Trusted by construction businesses across Australia

Why Marmalade

Why construction businesses choose Marmalade

You are bankrolling the build. Claim after claim.

Subbies need paying Friday. Materials are COD. Variations sit in dispute. Progress claims age at 45 days. Your business carries the gap, project after project.

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.

Take on bigger contracts without taking on risk.

Larger contracts, longer projects, more variations. Without director liability, encumbered property, or balance sheet debt.

How it works

How early invoice payment works for construction 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

Clients pay on their normal terms

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

Marmalade product / app screenshot
Trusted by construction 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

Construction businesses pay subbies and suppliers weeks before progress claims clear, creating a cash flow gap. 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.

Yes. Marmalade advances progress claims, variations, and trade invoices once raised in your accounting platform. Eligibility is based on your invoices, not how they're issued.

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

A single fee of 2.5 to 4.9 percent per invoice, based on your client's creditworthiness. No interest, no ongoing charges, no lock-in contracts.