Curing the invoicing disease

The solution to unpaid invoices isn’t a loan, it’s control. Payments on Demand helps businesses access the money they’ve already earned, without having to borrow. Instead of borrowing against unpaid invoices, you simply choose which invoices you want paid. There are no repayments, no interest and no risk.

You only pay a low one-time fixed fee when you choose to have an invoice paid. It’s a tool you use when it matters most and If you don’t need money, you don’t pay anything. There’s no facility sitting in the background and no pressure to use it EVER. You stay in control of both your costs and your cash flow.

By replacing debt with paid invoices, Payments on Demand helps you run a cleaner, more predictable business. You’re no longer exposed to the uncertainty of your customer’s payment cycle or the pressure of a lender’s repayment calendar.

You’re simply getting paid, on your terms.

Loans are designed to protect the lender first. That’s why they come with guarantees and legal terms that favour the lender. Payments on Demand exists to help businesses grow. We don’t require personal guarantees or trap you with hidden terms. Our one-time fixed fee is disclosed up front and it only applies when you choose to have an invoice paid early. There’s no lock in contract, no balance to pay back and no minimum usage required.

Everything about Payments on Demand has been built from the ground up to serve the business owner. From seamless integration with your accounting platform to automated AR tools, we’ve designed a solution that fits into your workflow without creating more admin.

It’s a financial product that is simple, transparent and under your control.

One of the most unique features of Payments on Demand is that it absorbs the risk of non-payment. Once you choose to have an invoice paid early the money is yours to keep. There are no clawbacks and no balance to repay.

This shifts the dynamic in a fundamental way. You’re no longer penalised for offering terms or waiting on a slow-paying customer. You can move ahead with confidence, knowing your revenue is protected from disruption. That certainty allows you to plan, invest and operate with a level of control that traditional finance tools simply can’t offer.

We are not there to extract interest and hidden fees for as long as we can. We are there to enable your success because we only win when you do.

It’s not a loan, it’s a smarter way to turn work into working capital.

Credit terms are often treated as a necessary evil, something you offer to win work, but regret when it slows your cash flow. Payments on Demand turns that trade-off into a competitive advantage. You can confidently offer extended terms, knowing you have the option to be paid early. It allows you to grow your customer base and secure larger projects without compromising your financial position.

Instead of negotiating around payment speed you can lead with flexibility. You give your customers the time they need while protecting your own cash position. That flexibility makes you easier to work with and gives you an edge in a highly competitive market.

You’re not stuck between cash flow and customer satisfaction, you can have your cake and eat it. Marmalade gives you the confidence to compete and grow on terms that work for everyone involved.

It’s natural to ask what the catch is. If there’s no debt, no risk and no repayment, how does it work? To use Payments on Demand, all you need to do is issue your invoices with updated payment details. That’s what enables us to provide the option to have an invoice paid early.

Not every invoice needs to be paid early. When your customer pays into your account and you haven’t selected that invoice for early payment, we’ll process the payment and pass it straight through to your bank account in real time at no cost.

That single decision, choosing us to process your invoice payments, is the cure to the disease of unpaid invoices.