Early Invoice Payment

Early Invoice Payment For
Wholesalers

You extend the credit before customers pay you.

Payments-on-Demand closes the wholesaler 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

Wholesaler at warehouse.
Same-day payment
Get your invoices paid today

Trusted by wholesalers across Australia

Why Marmalade

Why wholesalers choose Marmalade

You are bankrolling your customers. Account after account.

Inventory ties up the warehouse. Suppliers want payment on shorter terms. Trade accounts stretch to 60 days. Your business carries the gap, account after account.

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 accounts without taking on risk.

Bigger trade accounts, larger orders, longer terms. Without director liability, encumbered property, or balance sheet debt.

How it works

How early invoice payment works for wholesalers

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 wholesalers 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

Wholesalers carry inventory and extend trade credit while customer accounts age at 30-60 days, 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 trade account invoices once raised in your accounting platform. Eligibility is based on your invoices and customer creditworthiness, not your billing structure.

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.