Calculate the cost of your unpaid invoices

Find out how much cash is tied up and how much more you could unlock by getting paid sooner. Try the calculator and see your true cash flow potential in seconds.

Monthly Cash Flow Impact Calculator

This determines your typical business cycle

$

How long do your customers typically take to pay?

Days
In how many days would you ideally collect payment?

Marmalade can get you paid as early as 1 day

Days

Marmalade can get you paid as early as 1 day

No personal details required.

Cash flow that fits your business goals

Sleep easy knowing you're in control, from smoothing daily cash flow to funding big goals

Growth without the fear of cash flow stress
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Graphs based on actual data depict realised outcomes from an aggregation of profiles with a minimum of three months of platform usage

Your pipeline of work is bulging, it’s no longer about if you can win the work but how to fund it safely

Get paid today

No waiting 30, 60, or 90 days for invoices to be paid

Invest today

Buy stock, upgrade equipment, hire staff or reduce debt faster

Never miss an opportunity

Act with confidence instead of being held back by cash flow gaps

Nothing

like

borrowing

Others

Qualify with just your business invoices

Application only requires business' invoicing data.

Application requires personal and property credit checks

Amount reflects the total value of the business invoices.

Application requires personal and property credit checks

No property security or personal guarantees

Encumbers property and creates personal liability

Pay per use

No usage, no cost.

Interest charged after 30 days of non-payment.

No costs when joining or leaving.

Lengthy contracts, exit fees, lock-in terms.

No debt on the balance sheet.

Loan is a debt on the balance sheet, increasing risk.

Unlock cash flow certainty

One upfront fee per invoice.

Multiple fees and interest charges.

No interest. Ever.

Charges increase when customers pay late.

Complete customer insolvency protection.

Charges increase if a customer goes under.

why payments on demand

Marmalade makes payments faster, admin effortless, and terms more flexible. Proven results for SMBs, now ready for you.

Get started

15 days faster payment on each invoice

Get paid 15 to 60 days sooner, sleep easier knowing it’s yours, debt-free and risk-free.

7+ days increase offered on credit terms

Be the supplier everyone wants to work with. Flexible terms, stronger relationships, more wins.

5 hours per week saved by automated admin

Painful payment admin is off your plate, turning wasted hours into momentum and growth.

Marmalade gave me peace of mind. We could extend terms to 60 days, win more business and still feel secure with cash in the bank. Even as the admin piled up, Marmalade managed it automatically, now our bookkeeper is delighted and our financials have never looked better.

Pricing

Single fee only when you receive early payment

Marmalade Rewards and M-Coin

Sweeter Payments

Offer Marmalade Rewards to your customers so they can earn M-Coin every time they pay your invoices through Marmalade.

M-Coin can be converted for Qantas or Velocity Points, improving loyalty and encouraging faster payment. Terms and Conditions apply.

Learn more
  • Complete an enquiry form

    Enter a few simple details to get started.

  • We’ll email contact options

    You will receive an email, confirming when and how you’d like to connect.

  • Talk to our specialists

    Receive tailored guidance and learn how Marmalade can help your business.

Payments on Demand - Marmalade