Embedded Finance

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.
Xemplo Analytics - See what drives your business
User interface showing work rights status with a work visa marked as expired and a dropdown menu with the option to renew selected.

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.

Funding options can then be matched to the customer’s actual business needs, using operational data, cash-flow timing, funding requirements and risk profile to surface more relevant 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
Xemplo assesses eligible activity and surfaces available funding options.
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 funding typically starts once an invoice has been raised. Xemplo can see the workforce activity, approved hours, payroll obligations, margins and expected payment timing earlier.

That means eligible customers can identify funding needs sooner and access more relevant funding options based on what’s happening in the business.
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.
User interface showing work rights status with a work visa marked as expired and a dropdown menu with the option to renew selected.

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
Competitive provider matching
Predictive cash-flow forecasting
Dynamic rates and funding
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
Give workforce businesses and their people the financial infrastructure to operate and expand globally.
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 Xemplo's embedded funding and financial platform. Tell us where you want to unlock growth.
No obligation
Built for workforce businesses
Priority product access
I confirm that I have read and accept the terms and conditions and privacy policy. Funding is subject to provider eligibility requirements, assessment, approval, applicable terms, fees and availability.
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