TL;DR: Both Fundtap and Marmalade offer invoice finance for Australian businesses. Fundtap is on-demand with no minimums, no lock-ins, and a single transparent fee from 4%. Compare the two to find the right fit for your business.
How Both Platforms Work
Fundtap and Marmalade both help businesses access cash from unpaid invoices before customers pay. You connect your accounting software, select invoices, and receive an advance. When the customer pays, the advance is settled.
The differences are in pricing, flexibility, and how each platform handles the details.
Key Differences
| Feature | Fundtap | Marmalade |
|---|---|---|
| Markets | Australia and New Zealand | Australia |
| Accounting integrations | Xero, MYOB, QuickBooks | Xero, MYOB, QuickBooks |
| Fee structure | Single fee from 4% | Varies — check current pricing |
| Lock-in contract | No | Check current terms |
| Minimum volumes | No minimums | Check current terms |
| Customer notification | No — confidential | Check current terms |
| NZ businesses | Yes | No |
What Fundtap Offers
- On-demand funding — choose any invoice, any time
- No lock-in contracts or minimum monthly volumes
- Single transparent fee from 4% per invoice
- Completely confidential — customers are never notified
- Available in both Australia and New Zealand
- Funds within hours
Choosing Between Providers
When comparing invoice finance providers, focus on fee transparency, contract flexibility, minimum requirements, and how quickly funds are available. The right provider depends on your invoicing volume, how often you need funding, and whether you need coverage in New Zealand.
Both offer invoice finance for Australian businesses. Fundtap operates in both Australia and New Zealand, charges a single fee from 4% per invoice, and has no lock-in contracts or minimum volumes. Compare current terms directly with each provider for the latest pricing.
Costs depend on your invoice volume, customer payment terms, and how often you use the service. Fundtap charges a single transparent fee from 4% per invoice. We recommend comparing total costs including any monthly fees, minimums, or hidden charges.
Yes. Because Fundtap has no lock-in contracts, you can start using it immediately. If you have an existing contract with another provider, check their terms regarding exit.
Yes. Fundtap operates in both Australia and New Zealand with full support for NZD invoices and NZ accounting software integrations.