Spenda Limited · ASX:SPX
Spenda — Investor Presentation (July 2025)
16 slides from Spenda's investor presentation, Jul 16, 2025
Slide 1: Investor Presentation: Every Payment. Every Process. One Platform.
ASX: SPX For personal use only Investor Presentation Every Payment. Every Process. One Platform. July 2025
Slide 2: Our Vision and Our Mission
Our Vision Our Mission For personal use only Deliver a single, Transform the way integrated platform that businesses trade and streamlines business get paid by: across the entire supply Automating workflows processes chain, driving liquidity between and within a business. and payment. Improving orga
Slide 3: The problem
The problem For personal use only Disconnected financial systems High manual processing time (~520 hours/year) Late invoice payments (>50%) Poor cash flow for SMEs Lack of real-time financial visibility across supply chains
Slide 4: The Spenda solution
For personal use only The Spenda solution 01 02 03 04 End-to-end digital workflow Seamless data sync Flexible finance options SwiftStatement Quote → Invoice → Payment → Reconciliation. Real-time ledger-to-ledger integration. Embedded payment and credit choices. Invoice delivery, reconciliation, and
Slide 5: Core value proposition
For personal use only Core value Faster payment flows proposition Reduced operational and admin costs Automated invoicing and reconciliation Enhanced cash flow and financial insights
Slide 6: Spenda's products
Spenda’s products For personal use only through the supply Purchase Order Supplier chain or network Sales Invoice Payment Fulfilment Widget Consolidated Invoice Statement Aggregator Payment Payment (SwiftStatement) Customer Retailer SOE Sales Fulfilment Invoice Payment Widget Supplier Purchase Order
Slide 7: Key differentiators
Key differentiators For personal use only 1. 2. Holistic platform Node-to-Spoke strategy SaaS + Payments + Lending Target franchisors, expand to suppliers/retailers 3. 4. SwiftStatement Embedded finance A bridge between the buyer and seller Portfolio-based credit programs and card solutions
Slide 8: Business model
Business model For personal use only SaaS Transaction Fees Credit Revenue Implementation Tiered software Percentage fee on Percentage on License and subscription transaction facility utilisation implementation fees
Slide 9: Market opportunity
Market opportunity For personal use only $36.1B+ 1.2B Australian B2B B2B invoices generated payments market yearly in Australia (2024) 1,200+ 7.6% Franchise groups APAC B2B payment CAGR (2021–2028)
Slide 10: Current opportunity
Current opportunity For personal use only $10B+ B2B payments +35,000 Business customers in contracted channels $12B+ B2C payments Capricorn Optional Text
Slide 11: Recent growth
Recent growth For personal use only $363M $8.5M +100% Q3 FY25 Payment Volume FY25 YTD Cash Receipts Targeting Annual Growth (101% YoY growth) Key Customer Channels
Slide 12: Consistent quarterly growth in payments volume
Consistent quarterly growth in payments volume For personal use only $363m 160 140 120 FY24 $250m 100 FY23 $96m Millions 80 60 40 20 0 Q1 FY23 Q2 FY23 Q3 FY23 Q4 FY23 Q1 FY24 Q2 FY24 Q3 FY24 Q4 FY24 Q1 FY25 Q2 FY25 Q3 FY25
Slide 13: Consistent growth in cash receipts
Consistent growth in cash receipts For personal use only $8.5m $4,000 $3,500 FY24 $5.4m $3,000 $2,500 FY23 $3.5m ($000) $2,000 $1,500 $1,000 $500 $0 Q1 FY23 Q2 FY23 Q3 FY23 Q4 FY23 Q1 FY24 Q2 FY24 Q3 FY24 Q4 FY24 Q1 FY25 Q2 FY25 Q3 FY25
Slide 14: Corporate snapshot
Corporate snapshot For personal use only Share Top 5 holders Shares Mkt Cap Cash Debt EV Price Position Holder name Holding % IC 4.6b $0.006 $27.7m ~$1.25m $3m $29.45m INVIA CUSTODIAN PTY LIMITED 1 626,575,206 13.6% <CAPRICORN SOCIETY LIMITED> ADRIAN FLOATE & ASSOCIATED 2 307,110,077 6.7% ENTITIES R
Slide 15: Investment highlights
Investment For personal use only highlights Functional, scalable platform Leadership team with deep domain expertise Strong recurring revenue model Strategic partnerships: APG, Visa, Mastercard, Fiserv, Worldpay Large and growing contracted TAM
Slide 16: Thank you.
For personal use only Thank you. Authorised by the Board of Directors spenda.co Spenda Limited 1300 682 521 investors@spenda.co