03/10/2025
There is only one way to solve the problem of an unpaid invoice, have it paid.
Marmalade are the only payments company in the world who pay unpaid invoices.
What does business look like when you stop waiting to get paid?
Follow the journey of a typical business as they discover Payments-on-Demand, break free from debt, unlock growth and turn cash flow into a competitive advantage.
The business had been operating for over a decade with steady clients and reliable work. Despite that, cash flow was unpredictable throughout the year.
Like everyone else in their industry they fell into line by offering credit terms. They’d come to accept waiting as normal and built workarounds into their processes managed manually by expensive staff.
An alternative was never questioned and costs just absorbed.
Invoices were issued on 30-day terms, but payments routinely arrived after 60 days or more. Through spreadsheets they fooled themselves into thinking they could manage the gap, but their bank balance told the real story.
""Responsible"" financial control held them back on hiring and taking on more work. Investment into improving credit control simply damaged employee morale, with no significant uplift in paid invoices.
Unpaid invoices continued to slow growth but what choice did this company have?
They began relying on a secured overdraft they had intended only for emergencies. As the balance increased and their limit extension was declined, they turned to a short-term unsecured loan, adding more cost, risk and personal liability.
Then their accountant introduced them to Marmalade as an alternative.
By signing up to Payments-on-Demand they gained control over when they got paid, without borrowing further.
Once payments became predictable, borrowing stopped. They followed up with clients as a professional courtesy, confident that the cash had already been paid by Marmalade.
They still offered credit terms, but instead of seeing them as a necessary evil, they saw them as a competitive advantage, without the worry of how to bankroll them.
Offering terms was no longer a broken system.
With the uncertainty around payments removed their decision making process became so much easier.
Spreadsheets mirrored cash on hand and they no longer took a conservative approach towards winning new business. The business significantly strengthened their balance sheet by paying off their secured overdraft leading to a healthier business on paper and in reality.
For the first time in 10 years this business was in complete control of their cash flow, their business and their overall success.
Learn more about Payments-on-Demand:
https://pod.marmalade.com.au/h1SocI
Stop letting slow-paying customers control your cash flow.
Turn unpaid invoices into payments—no borrowing, no interest. Marmalade's Payments on Demand gives businesses fast, flexible control over B2B payments.
