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Buyer Finance for businesses

Are you a supplier, wholesaler, distributor or B2B marketplace that’s looking to sell more, without the risk, and turn invoices into cash faster?


A complete and integrated eCommerce solution designed for all business types.

Buyer Finance

Give your business customers a better way to pay their invoices on time, boost sales and grow your business faster.

Key features


Zero-risk trade

Let Spenda act as a third party financial provider to assess and assume the financial risk. You get paid on time, while we manage the payments with your customers. We can even act as your outsourced credit control and debtor management partner.


Offer more flexible payment options

Utilise on-demand, point of activity lending to limit your credit exposure and get paid on time, every time. Enhance your business cash flow and incentivise your customers to purchase more often.


Stop chasing late payments

No more guessing games on when to expect payments. Get paid on or before your payment due date and gain control over the money moving in and out of your business.


Fund your business growth

With Spenda, your business will be able to instantly turn orders into cash, and combined with accurate cash flow forecasting, you will have access to the capital your business needs to invest more into growth.


Trade with complete confidence

Security is at the forefront of how we build our software. With strict AML and KYC compliance, Two Step Authentication and double security testing measures, you can process payments with complete confidence knowing all your transactions and data is safe.

Fee structure

What connected buyers get
Funding amount
Up to $20,000 per month
Instalment payments
Pay in one transaction or in 4 smaller instalments
Buyer repayments
30-90 days from invoice date - depending on terms
Buyer fees
Set up fee
$30 +gst
Late payment
Supplier fees*
Funding fee
Account to Account payment fee
0.5% + 30c per transaction
Credit card to account payment
1.1% + 30c per transaction
Time for supplier to receive payment
2 -3 working days, depending on the payees bank
*Suppliers can choose to pay the funding or merchant fees, or on-charge to their buyers.

Are you a retailer or buyer that's interested in using BNPL to pay your supplier invoices?

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Invoice Finance

To learn more about our invoice finance solution, fill out the form below and one of our team will be in touch.