Get invoices paid.
On demand.
No subscriptions, no minimums, no lock-in. Simply turn unpaid invoices into cash the moment you need it. A per-invoice fee, charged only when you cash-in.
How much money are you sitting on?
Based on your inputs, you’re sitting on
$63,333
Waiting in invoices now
$65,000
Waiting if paid in 1 day
$1,667
Days you’re paid earlier
38 days
An estimate from your own inputs. Terms and conditions apply.
$
days
day
15 days
Paid earlier
+7 days
Extra terms you can offer
+5 hrs
Admin saved each week
How this benefits you
Get paid early.
That’s the whole idea.
Marmalade’s Payments on Demand product pays you for an unpaid invoice today, then collects from a secure clearing account when it’s due.
One fee per cash-in, no debt, no lock-in.
It’s your money, today
Send the invoice, get the money now. Your customer's 30, 60 or 90-day terms don't have to be your problem too.
It’s not debt, it’s real revenue
You're just collecting what you're owed a bit sooner. No debt on your balance sheet, no personal guarantee, no fine print to squint at.
No contract, no minimums
Use it in a tight month, skip it in a good one. No monthly fee, no targets to hit, no awkward exit conversation.
How it works
It’s click, click, and done
in just three steps.
Marmalade 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.
Reward your customers
With Payments on Demand, reward your customers with free M-Coin every time they pay you. Zero admin, zero setup and zero fees for you. Qantas or Velocity Points for them.
Pricing
How much it costs to get paid early
You only pay when you cash-in an invoice.
One fee, from 2.50% to 4.99%, based on the customer paying it.
Per cash-in
One fee when you choose to cash-in an eligible invoice early.
2.50–4.99%
per cash-in
One fee per cash-in
See the exact fee before you commit
Set by your customer’s rating
No subscriptions
No lock-ins
No minimums
Customer rating
What sets your fee
Every customer you invoice gets a rating. Their rating sets the fee you pay to cash in their invoice. A stronger, longer-term customer means a lower fee.
Customer rating
Fee per cash-in
Rating rationale
2.50 to 2.99%
Rock-solid, long-time payers
3.00 to 3.49%
Established, long trading history
3.50 to 3.99%
Good customers, newer to you
4.00 to 4.49%
Newer trading history
4.50 to 4.99%
Little to no credit history
Hear directly from our customers
All Road Transport
All Road Transport provides end-to-end freight and logistics services across Australia. With a strong reputation built on reliability, flexibility and client service, the business has grown steadily over more than a decade delivering time-critical freight across a variety of industries.
Marmalade · 10 February 2025
Thor Building Products
Thor Building Products has been supplying insulation to Australian homes and renovations for over two decades. The business has endured major industry challenges including the GFC, the failed federal insulation scheme and COVID-19. Throughout these periods, access to working capital was a constant obstacle to growth and resilience.
Marmalade · 17 February 2025
Northern Metal Roofing
Northern Metal Roofing provides high-quality metal roofing solutions across Queensland, delivering specialist installation services on residential, commercial and industrial projects. Known for their workmanship and reliability, the business has grown steadily as demand for skilled roofing contractors continues to rise.
Marmalade · 24 February 2025
What does one cash-in cost?
Sixty days of waiting. Emails that go unanswered. Payroll due Friday regardless.
See what skipping all that costs.
Get this within the hour
$9,701–$9,750
You only pay
$250–$299
An estimate from your own inputs. Terms and conditions apply.
$
Select a rating for your customer
You pay a percentage fee per cash-in, which is calculated on a per-customer basis and their history.
How it compares
Not all solutions are
made equal.
Traditional options restrict your business.
Payments on Demand is designed to support how you operate.
Payments on Demand
Other Finance Solutions
Cashflow & flexibility
No facility limits
Funding grows with your invoices, not a fixed approved limit.
No debt created
Cashing in an invoice doesn’t add debt to your balance sheet.
Cost & risk
No interest
You’re not borrowing, so there’s nothing to accrue interest.
One flat fee, on cashed-in invoices only
No set-up, line or exit fees.
Security & lender compatibility
Security on invoices only
No general security over business assets, no director guarantees.
No PPSR conflicts
PPSR registrations won’t restrict your other borrowing.
Comparison based on publicly available competitor information as of June 2026. Features and pricing vary by provider and may change — Terms and conditions apply.
Compare Payments on Demand, side by side
Already using invoice finance, a term loan or an overdraft?
See exactly how Payments on Demand compares to each.
Marmalade versus Invoice Finance
See how cashing in your invoices compares to a factoring or invoice finance facility.
Marmalade vs Invoice FinanceMarmalade versus Term Loans
Weighing up a term loan? See how on-demand funding stacks up — without adding debt.
Marmalade vs Term LoansMarmalade versus Overdraft
Compare an overdraft facility with paying only for the invoices you cash in.
Marmalade vs Overdraft“We want to empower businesses to get paid on their terms, and rewarded when they pay.”
What’s next
Getting Started
A bit of setup the first time round. After that, cashing-in an invoice takes two clicks
and your money lands within the hour.
Apply today and see your pricing
Connect Xero, MYOB or QuickBooks to apply. While we review it, head into the platform to see your customer ratings and exactly what each invoice would cost.
Verify your ABN and details
Confirm your business details and verify your ABN. Takes a few minutes, and we'll come back to you within two business days.
Switch your customers over
We create a dedicated account for your customers to pay into, then give you a template to send them. Your invoices update automatically.
That’s it! You’re up and running.
Once you’re set up, cashing-in an invoice takes seconds.
Apply now and see your fees while we review your application.
Frequently Asked Questions
Have more questions? Get all the answers.
View all FAQsPayments on Demand (PoD) is Marmalade's invoice cash-in service that lets Australian businesses get an unpaid invoice paid within 24 hours, without taking on a loan. Businesses connect their accounting platform (Xero, QuickBooks or MYOB), select an outstanding invoice, and Marmalade pays it out in full, less a single one-off fee.
Payments on Demand charges a single, one-off fee deducted from the invoice amount at the time of cash-in — there's no interest, no subscription, and no cost for invoices left unpaid on the platform. Because the fee applies only per invoice cashed in, businesses only pay for the cash flow flexibility they actually use.
Businesses receive payment within 24 hours of cashing in an eligible invoice through Marmalade. This typically means getting paid 15 to 60 days sooner than standard invoice terms, since the business no longer has to wait out its customer's usual 30, 60, or 90-day payment cycle.
A business raises an invoice as normal, connects Xero, QuickBooks or MYOB to Marmalade, and selects the invoice to cash in. Marmalade pays the invoice value into the business's account within 24 hours, deducting a single transaction fee. The business's customer still pays Marmalade directly when the invoice is due, and Marmalade manages the reconciliation.
Traditional invoice or debtor finance is a lending arrangement — it involves credit checks, interest charges, and an ongoing facility the business is contracted into, often against its entire invoice ledger. Payments on Demand has no interest, no lock-in, and no debt: it's a per-invoice, pay-as-you-go fee charged only when a business chooses to cash in.
Start with the easy part.
Connect your accounting software to get started with your application. While we review, you’ll see your real fees, and can decide about the rest once you’ve seen the numbers.