Buy Now Pay Later for Business. 

Whether you’re buying or selling goods of trade, UnLock is an easy and effective way to take control of your cash flow.

UnLock makes buying and selling easier for everyone: buyers get flexibility and extended payment terms, suppliers get paid on time.


When you buy using UnLock, we pay the supplier for you, and you pay us back later on extended payment terms.

Find out more about buying now and paying later with UnLock

Or Selling?

When you sell using UnLock, we pay your invoices on time and your UnLock Mastercard transactions immediately.

I want to be paid on time with UnLock

The process is:

The UnLock application process is simple


Send us your company name and contact details to start getting set up.
The UnLock application process is quick


You’re just a couple of clicks away from a better cash flow solution.
The UnLock application process is painless


Suppliers are prequalified and buyers need only an Australian business number and no adverse credit history.

Cash flow success stories

Vet Practice

How UnLock made this business profitable

Recently, an UnLock customer sought to quickly purchase stock from a supplier. The customer knew that if he paid within seven days, he could get a discount.

Using UnLock, he was able to execute the purchase before the deadline while completing payment within a more comfortable time frame: 90 days.

By leveraging the discount, our customer turned a profit. The message is clear: UnLock allows SMEs to reduce costs and improve their margins.

Automotive Supplies Business

Giving financial flexibility to businesses

One of our customers was looking for additional finance while waiting for a property sell. He turned to Marketlend and was able to get flexible financing while not needing to sacrifice his house to secure a loan.

After the great experience with Marketlend, this customer decided to offer his own customers the UnLock Buy Now Pay Later solution.

UnLock allows businesses to have greater financial flexibility, by creating cash flow, paying suppliers and transferring the risk to itself.

Plantscapes Design Business

Simple and quick cash flow solution for small businesses

An UnLock customer was offered a big scale project that needed him to have enough cash flow to be able to handle the job.

The business was relatively new, which made it difficult to acquire support through traditional banks.

Thanks to UnLock’s simple, quick and convenient process, our customer was able to secure enough cash flow to successfully complete this project. This customer has continued to use UnLock’s cash flow solution for other large-scale undertakings

Things you need to know

The UnLock Mastercard is issued by EML Payment Solutions Limited ABN 30 131 436 532 AFSL 404131 pursuant to license by Mastercard Asia/Pacific Pte. Ltd. Mastercard and the Mastercard brand mark are registered trademarks and the circles design and Tap & go are trademarks of Mastercard International Incorporated. Apple Pay and Face ID are trademarks of Apple Inc., registered in the U.S. and other countries.