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Franchises are built to grow, but with growth comes complexity. When each location runs things its own way, mistakes increase, and key information gets missed. From customer payments to marketing fees and supplier orders, every part of the business adds pressure.

It’s been almost two months since Karim Razak joined Spenda’s Board, bringing with him a unique blend of entrepreneurial experience, operational insight and longstanding shareholder perspective.

A late payment might seem harmless, but for the business waiting on that cash, it can be the difference between growth and going under.

Technology, new regulations, and rising customer expectations are reshaping how money moves. As we head toward 2026, these ten trends will play a big role in how companies manage, send, and get paid - making payments faster, smarter, and more connected than ever.

Cash flow forecasting is a good way to spot shortfalls before they hit, allowing you to steer your business with confidence. But too often, forecasts fall short.

In many businesses, accounts payable (AP) and accounts receivable (AR) tend to operate in silos. One team manages the money going out, the other tracks the money coming in. They use different systems, follow separate processes, and rarely share information. It’s a bit like two departments speaking different languages, and that disconnect can lead to […]

Embedded payments are built-in ways for customers to pay without leaving your site or app. The payment happens within your existing platform.

Get paid faster with the right tech tools that can make it easier to sell and speeds up the sales cycle. Read these 3 steps from Spenda.

When businesses look to improve cash flow, the focus often lands on chasing late payments, tightening payment terms, or sending more reminders. But one key factor is often overlooked: the customer experience.

Manual business payments are one of those topics that gets talked about a lot, but despite all the discussion, it’s still a problem for many businesses. From spreadsheets and paper invoices to logging into online banking for each transaction, manual processes might feel familiar and manageable. But they’re quietly draining time, money and resources.

Today, trust comes from knowing that the data you share and receive is accurate, secure, and easy to understand.

The quote to pay cycle, the process from generating a quote to receiving payment, touches nearly every part of a bussiness. When it runs smoothly, the financial benefits are hard to ignore.