Get paid today. Early invoice payment for wholesalers.
You extend the credit before customers pay you.
Tired of waiting 30, 60, even 90 days for clients to settle the invoice? Payments on Demand closes the wholesaler cashflow gap. Cash-in trade account invoices the day you issue them for one simple fee - no interest, no lock-in contracts, no security over stock or premises.
Your customers keep their existing credit terms and pay you exactly as they do now, with reconciliation handled automatically 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 wholesalers choose Marmalade Payments
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
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 wholesalers 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
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 Payments 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.