Spenda Finance
Supply Chain Finance
Access funds to pay supplier invoices – without tying up your cash flow
*Application criteria applies
A supply chain finance solution to manage supplier payments with confidence
Access more as you grow
Access up to 10% of your annual turnover, with the flexibility to unlock higher limits as your business expands and maintains a strong repayment history.
Extended working capital
Enjoy up to 60 extra days of payment terms, giving your business more breathing room.
Flexible funding
Draw only what you need, when you need, no collateral required.
Predictable supplier cash flow
Cover invoices and expenses without straining your resources.
Driving growth and stability
Maintain operations and invest in opportunities without cash flow interruptions.
Application criteria
This facility is designed for Australian businesses that:
- Operate as an incorporated entity (Sole Traders are not eligible)
- Have a minimum of three years of trading history
- Be profitable and have no outstanding tax obligations
- Be an active Spenda Pay user or agree to use Spenda Pay to manage their payables
- Ensure funds are used exclusively for payments to Australian suppliers and business expenses
- Applicant must qualify for credit insurance
How it works
Step 1 – Submit your application request
Ensure your business meets the essential criteria and submit the online form.
Step 2 – We’ll check your details
Our team will review your application and may ask for a few extra documents to confirm everything.
Step 3 – You’ll get your credit limit approved
Once approved, you’ll receive your credit limit and term – usually within a few business days.
Step 4 – Set up Spenda Pay and access your funds
Draw down what you need, when you need it, to pay supplier invoices. Learn more about Spenda Pay here.
