Connect your Xero account

Instantly connect to Xero and add Marmalade as your customer payment method.

View your eligible invoices along with the applicable fee, and select the ones you want to cash in.

Select invoices to cash in

Show me the money

Receive 100% of the invoice, less our fee, into your bank account within 24hrs.

How it works

Simple low fees

When you cash-in an invoice with Marmalade we'll only ever charge a low one-off processing fee

CASH-IN 

of total invoice value

Fees vary depending on the invoices selected and are always disclosed before you choose to cash-in

from 2%

"The days of waiting up to 60 or 90 days to be paid are over. Marmalade turns invoices into cash whenever I need it and has removed cash flow stress from my business forever!"

Steele Ryan
MD, Thor Building Products

Steele works in Construction

"Marmalade has had a huge impact on our business. It allows us to take on the bigger jobs as we can be confident we’ll have the cash-flow to purchase product up-front and pay our staff that might have been a risk otherwise"

Dale Missen
General Manager, OzPave

Dale works in Construction

"Marmalade is great. We used to use a Factoring service but it was all too hard. Marmalade is very simple, straightforward and cost-effective. It gives us so much more flexibility and peace of mind that we’re going to get paid exactly when we want, it’s so quick"

Joe Misiti
MD, Misiti Logistics

Joe works in Logistics

What is Marmalade?

Marmalade is a world-first invoice payments platform that empowers businesses to take complete control of their cash-flow. Trusted by 100+ companies, Marmalade enables its customers to cost-effectively access their money as soon as they invoice with speed, simplicity and total transparency to deliver operational improvements and accelerated growth.

Why Marmalade?

Waiting on unpaid invoices can really pump the brakes on a business. Marmalade is a cash-flow and payment tool designed to help your business grow. It enables you to get paid on demand by cashing in eligible unpaid invoices any time locked in at a one-off processing fee of 2% - 5%. So if you’re stuck waiting for customers to pay, you can still unlock your cash-flow and keep your business moving.

The real standout compared to other forms of business finance is that Marmalade is low cost with no risk. It’s a simple and affordable way to boost your cash-flow with only a small one-off fee and zero interest. When you cash-in an invoice, Marmalade takes on all the late or non-payment risk. So unlike a loan, you can just sit back, relax, and watch the cash flow into your business.

How does Marmalade work?

Marmalade is unlike any other payment service. After signing up Marmalade will be the default payment method offered to your customers. Your customers pay their invoices as usual. The way we’re different is that we also give you the option to get those invoices paid (Cash-in) whenever you want, without needing to wait for your customers to pay.

By offering Marmalade as your invoice payment method, you create the option to instantly unlock cash flow whenever you want.

Is Marmalade right for my business?

Any registered business in Australia can sign up with Marmalade if they’re using Xero for invoicing.

However Marmalade will work best for your business if you meet the following criteria:

• You issue more than $50k of invoices per month
• You have more than 5 customers who have received an invoice in the past 30 days
  
• You have more than 3 months of Xero invoice payment history
• You have an ongoing cash-flow requirement, not an immediate one-off need for capital

What are the Steps to signing up with Marmalade?

1. You simply sign-up to your Marmalade account to start cashing-in your invoices.
   
   
2. See which unpaid invoices are eligible to be cashed in.
   
   
3. Click on the invoices you want to cash in and submit the invoice for payment.
   
   
4. Get paid within 24 hours - simple as that!

How fast will I be paid after cashing-in an invoice with Marmalade?

All eligible invoices will be paid within 24 hours, no exceptions.

Book Your Free Trial Now