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About us

Transforming the way businesses trade and get paid.


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


Our expertise

Spenda is a core product of Cirralto Limited, an ASX listed company with over 20 years’ experience in delivering B2B payment services, digital trading software and integrated solutions.

What we do

We offer one connected digital platform that equips business with smart software applications, flexible B2B payment and lending solutions, and integration services that ultimately helps to improve how businesses trade and get paid.

Our goal

We’re here to put a stop to the late payment  in B2B trade across the entire supply chain. Get paid on time, boost cash flow and optimise operational efficiency with Spenda.

Helping businesses get paid quicker

The problem with B2B trade today is that many businesses work with multiple software solutions to run each aspect of their operations, which creates business silos or closed-off systems, and makes running a business more expensive and inefficient. Additionally, inefficiencies in payments practices and delayed payments are key contributors to the cash flow problems experienced by businesses on a global scale. 

While we may have started out as a pure Software as a Service (SaaS) business, Spenda has evolved into a B2B fintech player offering a suite of software applications, payment and lending solutions and integration services. 

We offer one connected solution that integrates all business processes that take place before, during and after the payment event. Our software helps businesses boost operational efficiency and drives better cash flow management across the entire supply chain.

Our solutions

Work for us

At Spenda, we understand that there is more to life than work. We also know that happy, well-balanced staff are more productive.

Meet our executive leadership team


Adrian Floate

Managing Director

Adrian Floate

As an entrepreneur at heart with a fascination for emerging business technologies, Adrian has spent the last 20+ years solving complex problems and developing new technologies to bolster business efficiency.

The culmination of his experience and passion resulted in the launch of Spenda with a goal to permanently change the way businesses trade and pay each other.

Dave Wood

Chief Product Officer

Dave Wood

With over 20 years experience in Software and Systems Design, Dave has been the visionary behind Spenda’s suite of products and works with his team to continually bring the company’s vision to life, all while delivering a seamless experience for Spenda's customers.

As a member of the Executive Team, Dave plays a key role in the Company’s strategic direction.

Richard Jarvis

Chief Financial Officer

Richard Jarvis

Richard is a qualified Chartered Certified Accountant with over 20 years of international financial experience across many different private and publicly listed companies, including 14 years spent in senior managerial roles.

As a member of Spenda’s Executive Team, Richard plays a key role in driving the Company's strategic direction and helping facilitate growth.

Olly Speed

Chief Technology Officer

Olly Speed

With over 30 years software engineering experience, Olly brings experience in high-transaction rate core systems development, managing complex requirements and ensuring good transaction and database design.

Olly also takes great pride in growing and mentoring agile software engineering teams and delivering unique and visionary fintech solutions to the market.

Andrew Hilton

Chief Commercial Officer

Andrew Hilton

With nearly 30 years of experience in traditional lending businesses coupled with a strong history of successful ventures, including Invigo, Andrew’s experience lies in delivering businesses with more efficient access to better finance solutions.

As a member of the Executive Team, Andrew plays a key role in the Company’s strategic direction and is helping to build Spenda’s growing payment and lending capabilities.
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