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Buy Now, Pay Later for businesses

Know when you will get paid and improve your cash flow

Payments

A payment stack allowing businesses to take payments, collect debt, set up pay-later plans and get access to working capital.

Putting a stop to late payments

We know that business is not a one-size-fits-all concept. In standard Business to Business (B2B) trade, buyers are required to pay their suppliers according to specific payment terms, usually 30 days after the receipt of goods. This strict credit management regime forces customers to purchase outside of their preferred supplier network if they have overdue accounts, resulting in lost revenue for those suppliers. 

Today, more and more business owners have expressed the desire for flexibility and choice in how they pay their suppliers.

Smarter payment options for your business

We’re bringing more flexibility to the way businesses pay each other. By implementing B2C payment models into the B2B landscape, such as the Buy Now, Pay Later (BNPL), it becomes easier for your customers to buy more today and pay for the goods later in instalments set across an agreed timeframe. Think Afterpay, but for businesses.

You can collaborate on repayment plans with your customers and our system automates everything so you know when you will get paid and better track your cash flow.

Control your cash flow

Learn how our BNPL payment solution can help boost your sales and put you in complete control of your cash flow.

Unlock the power of Spenda’s flexible payment solutions

Our goal is to help businesses get paid on time by bringing greater flexibility and visibility to how invoices are shared and paid. When offering a BNPL payment option, you not only improve the purchase and payment process for your customers, but you can better visualise your own cash flow.

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Know exactly when you will be paid

Enjoy the assurance that comes with providing customers more payment options and having the added flexibility of allowing them to schedule how and when they pay. Boost your sales, enhance your cash flow and improve customer satisfaction along the way.

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Collaborate on payment plans with your customers

Under our ‘Intent-to-Pay Framework’ businesses can collaborate on an affordable repayment plan that creates certainty in debt recovery for the seller.

Businesses can split payments over pre-agreed instalments, usually over a 30-day period and payments are automatically deduced as per the agreed schedule. This means there’s no more guessing games on when to expect payments from your customers which helps you to better understand what money is moving in and out of your business each month.

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Make debt collection a thing of the past

With Spenda, businesses have the opportunity to interpose a funding partner into the buyer-to-supplier payment cycle and create an extended payment facility for any customer who elects to utilise this option. Your customer is then able to split the payments over instalments across a pre-agreed timeframe, usually over a 30-day period, and the money is automatically deducted from their bank account or credit card.

Get started with Spenda today






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    Frequently Asked Questions

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    WHITEPAPER

    Spotlight on Payments

    B2B payment trends in Australia and key opportunities for SMEs to improve their cash flow in 2021

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    Frequently Asked Questions

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