What is UnLock?

UnLock is a B2B Buy Now Pay Later where everybody wins – buyers and suppliers alike!
Buyers gain instant access to extend their trade credit terms and suppliers are paid on time in full.

The process is:


Send us your company name and contact details to start getting set up.


You’re just a couple of clicks away from a better cash flow solution.


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

In other words, we're:

  • The secret to improving cash flow for buyers.
  • A reliable source of prompt payment for suppliers.

As a ‘Buy Now Pay Later’ B2B solution, the UnLock payment gateway facilitates fast payment and cash flow benefits for local and international businesses as well as for the suppliers who empower their success.

UnLock for buyers

  • Sell stock before you have to pay for it
  • Extend payment terms up to 90 days
  • Free up cash flow to invest in growth
Apply to be an UnLock buyer

UnLock for suppliers

  • Provide flexible payments terms
  • We take control of your accounts receivable
  • You are paid next business day
Sign up to be an UnLock supplier

Turn the key to UnLock your future

We work to improve relationships between buyers and suppliers, maximise cash flow and working capital. Whether you’re a B2B supplier, a small business or a multinational supplier, importer or exporter, sign up with us today to start enjoying 90-day payment terms and seamless transactions.

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