Waddle is an innovative financial technology startup based in Australia that specializes in invoice financing. The company primarily serves small to medium-sized businesses (SMBs) that invoice other Australian businesses. Waddle operates in the financial services market, specifically focusing on providing liquidity solutions to businesses through their outstanding invoices.

The core service Waddle offers is invoice financing, which allows businesses to unlock funds tied up in their unpaid invoices. This means that instead of waiting for their clients to pay, businesses can get immediate access to cash. This service is particularly beneficial for businesses that need to manage cash flow more effectively or require quick access to working capital.

One of the standout features of Waddle is its seamless integration with Xero, a popular accounting software. This integration significantly reduces administrative tasks for businesses, saving them valuable time. Clients can sync their invoices directly with Waddle, eliminating the need for manual uploads and simplifying the reconciliation process.

Waddle's business model is based on providing flexible and fair financing options. Businesses can choose which invoices to finance and use the service only when needed. The company charges low rates with clear fees and no fixed-term commitments, making it a cost-effective solution for managing cash flow.

Waddle makes money by charging interest and fees on the funds advanced to businesses. The rates are competitive, and there are no hidden charges, which makes it an attractive option for SMBs looking for transparent financial solutions.

In summary, Waddle offers a fast, flexible, and confidential way for businesses to access funds tied up in their invoices. By integrating with Xero, it significantly reduces administrative burdens and provides a quick setup process, allowing businesses to get funds within 48 hours, subject to credit checks and approval.

Keywords: invoice financing, SMBs, liquidity solutions, Xero integration, cash flow management, working capital, financial technology, flexible financing, low rates, Australia.