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Get your money, when you want it. Marmalade enables you to get your eligible invoices paid within 24 hours for one low fee between 2% - 5%


With Marmalade, your business is paid instantly for any invoice you choose, any time. Connect your Xero account and add Marmalade as your invoice payment method. You’ll then have the choice to cash-in 100% of any eligible unpaid invoice and receive the funds in your account within 24 hours. Your invoice is fully paid, we take on all customer repayment risk and your customers never know you’ve cashed-in their invoice.

Most importantly, Marmalade is not a loan, line of credit, finance or factoring. There is no debt or interest ever. There are no applications, credit checks, or personal guarantees to worry about. You just pay a low, one-off fee when you choose to cash-in with Marmalade.

Explore all features of Marmalade

Marmalade + Xero

Sign up to Marmalade and connect your Xero account. Create a branding theme to add Marmalade payment details to your invoices. We’ll know when you issue new invoices to your customers and update Xero when you receive a payment via Marmalade.

Reviews & ratings

4 Reviews
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Jake Baird
There were a couple of problems in our business and marmalade solved our problem. The thing is, instead of being stuck in a cash flow headlock, marmalade unlocks it and allows us to hit growth quicker. Great product, even better team. Do yourself a favour and implement it in your business.
Christopher Burnett

Great help for cashflow

Easy to set up - Great to have as an option to help get things done :)
Russel Miller

Game Changer

It has been fantastic working with the Marmalade team to move our practice across. We can use Marmalade instead of Stripe and have access to cash the next day and a back office collections team if we need. Have been super impressed so far and can't wait for the next set of enhancements that will take on GoCardless more directly.
Additional info

App details

Added in 2021






Setup walkthroughContact supportsupport@withmarmalade.com


Although Xero reviews each app in the Xero App Store, we can’t give any guarantees. It’s up to you to assess the performance, quality and suitability of any app before going ahead.