When ex-swimmer Luke Trickett and his Olympian wife Libby set up their first management business together a decade ago they had to sell their home to make ends meet.

Luke Trickett also recalls having to rely on credit cards and loans from family to keep cash coming in the door.

Those early struggle years were the brainchild for Trickett’s latest business venture, a fintech startup called Marmalade that speeds up payments to small operators.