Slide 1: Q2 FY24 Business Update
For personal use only ASX:SPX Q2 FY24 Business Update Investor Webinar 7 February 2024 Spenda Limited (The Company)
Slide 2: Disclaimer
Disclaimer This presentation contains certain statements that may constitute forward looking information under applicable securities laws. All statements, other than those of historical fact, which address activities, events, outcomes, results, developments, performance or achievements that Spenda a
Slide 3: Key Highlights in Q2 FY24
Key Highlights in Q2 FY24 Record Q2 cash receipts from customers of $1.38m For personal use only New partnerships generating revenue momentum Q3 FY24 revenue is expected to exceed Q2 FY24 AirPlus partnership adds a new card blended finance capability for eligible clients Cornerstone investment by Ca
Slide 4: Q2 FY24 financial results snapshot
Q2 FY24 financial results snapshot Cash Receipts Total Payment Flow For personal use only $1.38m +84% $64m +3.6% Q1 FY24: $749K Q1 FY24: $61.8m Total Loan Book Average Portfolio Yield Market Cap (as at 2 Feb 2024) $73.5m $12.9m +4.9% 21.2% Q1 FY24: $12.3m STEADY QUARTER ON Cash on Hand QUARTER (as a
Slide 5: Unique customer value proposition
UNIQUE CUSTOMER VALUE PROPOSITION Spenda is an integrated business platform that For personal use only enables businesses across the supply chain to sell better and get paid faster. Spenda is both a software solutions provider and a payment processor, delivering the essential infrastructure to strea
Slide 6: FY24 layering revenue across the supply chain in new verticals
Previous Acquisitions FY24 layering revenue across the supply chain in new verticals For personal use only FY24: Layering revenue across the supply chain Customers & Partnerships in new verticals FY25 FY24 FY25: FY22: Sustainable recurring Secured technology, revenue & cash people & capital generati
Slide 7: Benefits of Spenda's unique business model
Benefits of Spenda’s unique business model Combines five vendors into one solution, leading to diversified revenue streams and de-risked overall implementation for a network of trading parties End-to-end software integration through the supply chain enables For personal use only long term customer c
Slide 8: Solution segments and payment flows
Solution segments and payment flows Marketplace Aggregated B2B Marketplace For personal use only Customer Retailer Aggregator Supplier / Wholesaler Manufacturer $10k/1m in payment flow $15k/1m in payment flow $20k/1m in payment flow Spenda Software Spenda Solutions Spenda Solutions Spenda Solutions
Slide 9: Scaling up payment flow: Carpet Court agreement
Scaling up payment flow • Roll out of of Spenda's payments infrastructure between Head Office Five-year exclusive and the network of 205 franchise stores (buyers) agreement with Carpet Court • All of the payment flow from the 205 stores to Carpet Court’s National Support Centre are processed through
Slide 10: Ten-year service agreement with Capricorn
Commercial launch expected in early 2024 Ten-year service agreement • In May 2023, Spenda was selected as Capricorn's preferred supplier to deliver the first phase of its Digital Service Delivery (DSD) initiative. with Capricorn Proof of Concept completed in Dec 2023 • The DSD initiative is a signif
Slide 11: Spenda adds virtual cards with AirPlus International
Enables scalability in payments Spenda adds virtual cards to • In November 2023, Spenda signed a payment processing payments solution, in agreement agreement with AirPlus to jointly offer a virtual card product, which enables the generation of credit card numbers for specific purposes with corporate
Slide 12: Partner with eBev for payments in hospitality
Scale up in 2H FY24 and FY25 Partner with eBev for payments in hospitality • Spenda and eBev will offer unique integrated payments solutions across the eBev marketplace • This agreement outlines the first phase of the commercial rollout to • eBev is a software provider with a platform that 100 initi
Slide 13: eBev: Products, revenue flows and market opportunity
eBev: Products, revenue flows and market opportunity Aggregated eBev Marketplace End-Consumer Licensed Premises eBev Distributor Winery/Brewery/ For personal use only Distillery Spenda's integrated payments solution Accounts Receivable Point of Sale (POS) Accounts Payable Accounts Payable Pay Statem
Slide 14: Delivering consistent increases in recurring revenue
Delivering consistent increases in recurring revenue For personal use only Recurring revenue through Carpet Court Recurring revenue through Capricorn Current base income Current contracts Current contracts Current pipeline opportunities Monthly Head Office Software DSD Software $284k $300k $1.2m plu
Slide 15: Layering revenue streams
Layering revenue streams Further penetration across the supply chain for each client • Start with Head Office and payment flows to and from the buyer network • Expand payment solutions to supplier network for early payment discounts + Scalable growth across different industry verticals • Initial com
Slide 16: Building foundation for international expansion
Building foundation for international expansion Spenda is establishing international payment rails, which provide the network infrastructure that allows all digital money transfers to be made between payers and payees, regardless of country, currency or digital payment method. For personal use only
Slide 17: Upcoming operational milestones in 2H FY24
Upcoming operational milestones in 2H FY24 Further penetration through Commercial launch with Global payments and entry Carpet Court supply chain Capricorn into Asia-Pacific region • Deliver POS terminals to franchise • Continued work on DSD project • Addition of international settlement stores rail
Slide 18: Thank you.
Thank you. For personal use only Approved by the Board of Directors spenda.co Spenda Limited 605, 275 Alfred Street, North Sydney, NSW 2060 1300 682 521 investors@spenda.co