Get paid today. Early invoice payment for construction.
You fund the build before progress claims clear.
Tired of waiting 30, 60, even 90 days for clients to settle the invoice? Payments on Demand closes the construction cashflow gap. Cash-in certified progress claims, variations and trade invoices for one simple fee - no interest, no lock-in, no personal guarantees from directors.
Funds land the same day you invoice, head contractors keep paying on their normal terms, and reconciliation and admin is handled for you at no extra cost. To get started, apply today to see if we can support your business.
Same-day payment
Get your invoices paid today
Why Marmalade
Why construction businesses choose Marmalade Payments
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
It’s click, click, and done in just three steps.
Marmalade Payments 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. Just swap in the new banking details we give you for customers to pay into.
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.
Step 3
It’s pay day!
You’ll have the money in your account within a few hours. Your customer still pays by the same date you originally gave them, as normal.
To get started, apply today by connecting your accounting platform, and get an eligibility outcome within minutes.
Trusted by construction businesses across Australia
Here’s why businesses trust Marmalade Payments
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!
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.
Get started
Get a decision today. Cash-in your invoices by end of business.
To get started, apply by connecting your accounting platform to see if we can support your business. Get an eligibility outcome within minutes.
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.