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By Marmalade
5 out of 5 stars
Get your money, when you want it. Marmalade enables you to get your eligible invoices paid within 24 hours for one low fee between 3% - 5%
out of 5
Reviewed by
Xero users
Listed for
2 years
May 2021
Key functions


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.

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

5.0 out of 5 stars
12 Reviews

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Most recent reviews

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!
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.
richard crean
Posted 5 Sep 2022
5 out of 5 stars
Great for those struggling with cashflow. The interest you pay is worth less then the stress with out cashflow and browyn is very easy to deal with

Additional info




AccountingConstruction and tradesManufacturing

App details

By Marmalade
Added in 2021






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Get started with Marmalade

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.