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Marmalade

By Marmalade
4.69 out of 5 stars
Xero customers can instantly turn unpaid invoices into cash. Get your unpaid invoices paid today for a low one-time fixed fee with no repayments, no interest and no risk.
Rated
4.7
out of 5
Reviewed by
13
Xero users
Listed for
4 years
May 2021
Key functions
Invoicing and jobs
Payments

Overview

Marmalade are solving the problem of unpaid invoices.

Unpaid invoices are the root cause of cash flow issues. Credit terms are offered based on trust with no control over payments. Offering credit terms to customers is hard. When that strain becomes too much, businesses often take on a loan. Loans don’t solve the root cause of the problem - unpaid invoices.

What Marmalade does:

Helps Xero customers access the money they’ve already earned

Only pay a low one-time fixed fee when an invoice is paid early

No repayments, no interest, no personal guarantees and no risk

Absorbs the risk of non-payment, no clawbacks and no balance to repay

Built from the ground up to serve the business owner, with seamless Xero integration and automated A/R tools

Real impact for Xero customers:

65K invoices were cashed in and paid early by Marmalade in FY25

$1.4B payments have been processed by Marmalade

32.4K businesses trust Marmalade to process their invoice payments

+24% growth experienced by SMBs in their first year with Marmalade

15 days faster payment on each invoice

5 hours per week saved by automated admin

7 days on avg longer credit terms offered, helping Xero customers stay competitive and win more business

9+ verticals are supported by Marmalade’s SMB-first solutions & service

Why Xero customers choose Marmalade:

It solves the real problem - unpaid invoices

It gives them access to money they’ve already earned

There’s no debt, no interest and no risk

It’s flexible, no lock-in contract, no required minimums

It’s purpose-built for business owners

Marmalade + Xero

Marmalade connects seamlessly with Xero to simplify accounts receivable, automate follow-up and give you the option to get invoices paid early.

Here’s how the integration works:

New payment details When you sign up to Payments-on-Demand, new payment details are created for you in your business's name. When your customer pays via bank transfer, the payment is automatically transferred to your business transaction account in real time using OSKO at no additional cost.

Automatic reconciliation Payments are automatically reconciled into Xero. All you'll need to do is match the payment amount in your bank feed with the payment Marmalade has applied to the invoice.

Branded monthly customer statements Payments-on-Demand sends monthly statements on your behalf, using your branding. These statements remind which invoices are overdue, due this month or not yet due.

End-to-end collections If customers don’t pay within 30 days of the due date, Marmalade will handle the collections process on your behalf. We respectfully handle these tough conversations for you and provide full transparency of all communications.

Built for Xero customers Instant OSKO payments and clean reconciliation

Streamlined AR workflows, with no manual follow-up

Easy setup and full visibility from invoice to payment

Marmalade was designed to work hand-in-hand with Xero, so you can reduce admin, improve cash flow and stay in control without changing how you invoice today.

Reviews & ratings

4.7 out of 5 stars
13 Reviews

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Most recent reviews

AT
admin Taborda
Posted 27 Mar 2025
1 out of 5 stars

Terrible and incompetent service

Terrible. They made mistakes allocating payment to the correct invoices, adversely affecting customer relations with some of our clients. We were accused of suspicious activity because we had cashed out an invoice in a our first week, but the client accidentally paid us, we paid the payment back to marmalade within 24 hours. But were accused of stealing anyway. They hold onto payments for over a week, and only ended up paying some payments after I raised the issue with them. They would hound our customers every fortnight with statements asking for payment, when invoices were not even due yet. After being accused of suspicious activity because we cashed out and then the customer went into administration. We decided the mistakes, the accusations, the toxicity and the incompetence were too much to continue to deal with so we started to move away. Marmalade did not make this easy, by telling our customers after we informed them we were changing back to pay on the statement to them. The only one here doing any suspicious activity was Marmalade. Please look elsewhere.

Response from Marmalade

As a business we take our reputation very seriously, ensuring Marmalade financially empowers its customers, whilst ensuring the accuracy of our customer’s accounting records is maintained, combining to uplift the operational efficiency of the businesses we support. We can confirm that Marmalade has conducted a detailed investigation into each of the concerns raised, reviewing whether we adhered to these customer values of financial empowerment, accounting accuracy and operational efficiency. While the business has been satisfied its conduct was fair and consistent with these values and the terms of use of the product, we appreciate you have a different point of view. Accordingly, a call was organised with your Customer Success Manager to discuss your position which has led to an amicable agreement regarding Marmalade’s conduct. Please reach out to your Customer Success Manager if you wish to discuss this matter any further. The Marmalade Team
JC
Jesse Cluer
Posted 9 Jun 2023
5 out of 5 stars

Amazing solution for all businesses!

Working with Marmalade the last 12 months has had an extremely positive impact on our business. Cash flow is generally an issue for most companies and they have really helped us maintain consistent healthy cash flow enabling us to focus on providing excellent services to our beloved customers. I work closely with my accounts managers from Marmalade who are all awesome people and always only a phone call or email away. I highly recommend using Marmalade to any business owner. They are a great team of friendly staff who care about your business!

Response from Marmalade

Hi Jesse, thank you so much for the amazing feedback and for being with us since April 2022! We’re thrilled to hear Marmalade has had such a positive impact on your business and helped you maintain healthy, consistent cash flow. That’s exactly why we exist, so you can focus on delivering great service to your customers without the stress of waiting to get paid. We’ve passed your kind words on to the team. Thanks again for your ongoing support and recommendation! The Marmalade Team
FS
fred saliba
Posted 8 Jun 2023
5 out of 5 stars

Great Product and Great Support

I was initially drawn to your solution for a few reasons. Firstly, the idea of turning my unpaid invoices into cash caught my attention. Managing cash flow is crucial for any business, and being able to get money from those outstanding invoices seemed like a great opportunity. On top of that, a business colleague of mine spoke highly of Marmalade. Their recommendation gave me confidence that your company knows what it's doing and can deliver results. Plus, I had heard good things about Marmalade in the market. Other businesses had positive experiences with your services, which made me even more interested in giving it a shot. Lastly, my main goal was to improve my cash flow so that I could invest in my business and make it grow. Your solution seemed like a practical and effective way to achieve that. It would give me the financial flexibility I needed to expand and seize new opportunities. Considering all these factors, Marmalade seemed like the perfect fit for my business needs. I was excited to see how it could benefit me and help me reach my goals. Another great benefit is the peace of mind it brought. Knowing that I have cash readily available has been a game-changer. It means I can handle unexpected costs and emergencies without stressing out. It's a huge relief to have that financial security. Overall, Marmalade has had a positive impact on my business by improving my cash flow and allowing me to save money through early payment discounts. Plus, the peace of mind it brings is invaluable. I'm grateful for the difference it has made, and I look forward to continuing to benefit from Marmalade. Another great thing about Marmalade is their staff. Whenever I have a question or need assistance, they're always available and ready to help. Their customer support is top-notch, and it's reassuring to know that I can rely on them whenever I need guidance or clarification. Marmalade has also lightened my workload in some ways. They take care of sending statements and reminding me of overdue invoices, which is a huge help. It's one less thing for me to worry about and frees up my time to focus on other aspects of running my business. What impresses me the most is how seamlessly Marmalade has integrated into my operations. It feels like they've become an essential part of my business processes, making everything easier and more efficient. They've truly made running my business smoother and more manageable. Overall, the ease of use of their software, the availability of their staff, the assistance with statements and reminders, and the seamless integration into my business are the things I like most about Marmalade. They've become an invaluable partner in helping me streamline my operations and make my business management a breeze.

Response from Marmalade

Hi Fred, thank you so much for this generous and thoughtful review, and for being with us for over two years! It’s incredibly rewarding to hear how Marmalade supported your cash flow, enabled business growth and gave you peace of mind during that time. Helping business owners operate with more confidence and less stress is why we exist. We also really appreciate your kind words about the team, they’re passionate about helping customers like you and it means a lot to know that support made a genuine difference. Thanks again for your trust and partnership over the those years, we loved being part of your journey. The Marmalade Team

Additional info

Shared data

Xero
Marmalade
Paymentsshared from Xero to Marmalade and from Marmalade to Xero
Contactsshared from Xero to Marmalade and from Marmalade to Xero
Invoicesshared from Xero to Marmalade
Credit Notesshared from Xero to Marmalade

Functions

Invoicing and jobsPayments

Industries

ManufacturingProfessional servicesConstruction and trades

App details

By Marmalade
Added in 2021

Get started with Marmalade

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