Embedded finance for workforce businesses

Turn work completed into working capital

Xemplo helps predict upcoming cash-flow needs using your workforce, timesheet and payroll data. Eligible businesses can then access matched funding options directly within Xemplo.
Register your interest
One platform connecting work completed, funding accessed, payroll paid, and cash collected.
Embedded Finance
Embedded finance options connected to workforce and cash-flow data in Xemplo

Better-fit funding at competitive rates

Eligible customers can compare competitive funding options from participating finance providers directly within Xemplo, including rates, terms and funding structures.

Available funding options can be surfaced using operational data, cash-flow timing and funding requirements, helping eligible customers compare their options.

From first shift to final payment.

A connected workflow from work completed to working capital.
01
Worker onboarded
Identity, compliance and assignment data captured from the start.
02
Work completed
Hours, assignment details and labour costs recorded as work occurs.
03
Timesheet approved
The work completed and payroll obligation are verified.
04
Funding options identified
Eligible activity is identified and available funding options are surfaced in Xemplo.
05
Payroll paid
Funding can support wages, superannuation and statutory obligations.
06
Payment received
Client payments, funding repayments and margins remain connected.

Most lenders see the invoice. Xemplo sees what’s behind it.

Traditional invoice finance generally relies on receivables once work has been invoiced. Xemplo connects the workforce activity that happens earlier - including approved hours, payroll obligations, margins and expected payment timing.

This gives eligible customers earlier visibility into potential cash-flow needs and the funding options available to them.
Identify cash-flow needs before payroll falls due.
Compare competitive funding options within Xemplo.
Use operational and payment data to inform funding decisions.
Access finance without leaving the Xemplo workflow.
Xemplo connecting workforce activity, payroll obligations and invoice funding data

Start with funding.
Build the financial operating system.

EARLY ACCESS
Invoice funding + insight
Turn approved workforce activity into working capital, with funding options matched to the timing, risk and growth requirements of the business.
Pre-invoice funding intelligence
Provider comparison
Predictive cash-flow forecasting
Dynamic funding options
Collections intelligence
NEXT
Payroll, wages + super
Connect the calculation of payroll to the actual movement of wages, Payday Super and statutory obligations.
Payroll cash requirements identified earlier
Wage payment approvals
Funding linked to future payroll
Automated reconciliation
Real-time payment status
FUTURE
Accounts, cards + payments
Bring accounts, payments and funding into the same connected workforce ecosystem.
Multi-currency accounts
Employee and company cards
Expenses and supplier payments
Global payouts and FX
Multiple funding products and providers
From reactive invoice funding to predictive workforce finance.
EARLY ACCESS

Move faster than your cash flow

Join the businesses exploring embedded finance within Xemplo.
No obligation
Built for workforce businesses
Priority product access
I have read Xemplo’s Privacy Policy and agree to be contacted about Embedded Finance. Finance is provided by participating third-party finance providers. Xemplo does not provide lending.
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