Announcement PDF ASX: SPX Investor Presentation Every Payment. Every Process. One Platform. July 2025 Our Vision Our Mission Deliver a single, Transform the way integrated platform that businesses trade and streamlines business get paid by: across the entire supply chain, driving liquidity and payment. Automating workflows processes between and within a business. Improving organisational visibility, efficiency, and cash flow. The problem 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 The Spenda solution 01 End-to-end digital workflow 02 Seamless data sync 03 Flexible finance options 04 SwiftStatement Quote → Invoice → Payment → Reconciliation. Real-time ledger-to-ledger integration. Embedded payment and credit choices. Invoice delivery, reconciliation, and payment in one. Core value proposition Faster payment flows Reduced operational and admin costs Automated invoicing and reconciliation Enhanced cash flow and financial insights Spenda’s products through the supply chain or network Purchase Order Supplier Sales Invoice Fulfilment Consolidated Invoice Statement Payment Customer (SwiftStatement) Retailer SOE Fulfilment Purchase Order Payment Widget Aggregator Payment Sales Invoice Payment Widget Supplier Key differentiators 1. 2. SaaS + Payments + Lending Target franchisors, expand to suppliers/retailers 3. 4. A bridge between the buyer and seller Portfolio-based credit programs and card solutions Holistic platform SwiftStatement Node-to-Spoke strategy Embedded finance Business model SaaS Transaction Fees Credit Revenue Implementation Tiered software subscription Percentage fee on transaction Percentage on facility utilisation License and implementation fees Market opportunity $36.1B+ 1.2B Australian B2B payments market B2B invoices generated yearly in Australia (2024) 1,200+ 7.6% Franchise groups APAC B2B payment CAGR (2021–2028) Current opportunity $10B+ B2B payments +35,000 Business customers in contracted channels $12B+ B2C payments Capricorn Optional Text Recent growth $363M $8.5M +100% Q3 FY25 Payment Volume FY25 YTD Cash Receipts Targeting Annual Growth (101% YoY growth) Key Customer Channels Consistent quarterly growth in payments volume $363m 160 140 120 FY24 $250m Millions 100 FY23 $96m 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 Consistent growth in cash receipts $8.5m $4,000 $3,500 FY24 $5.4m ($000) $3,000 FY23 $3.5m $2,500 $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 snapshot Shares Share Price Mkt Cap Cash Debt EV 4.6b $0.006 $27.7m ~$1.25m $3m $29.45m Top 5 holders Position Holder name Holding % IC 1 INVIA CUSTODIAN PTY LIMITED <CAPRICORN SOCIETY LIMITED> 626,575,206 13.6% 2 ADRIAN FLOATE & ASSOCIATED ENTITIES 307,110,077 6.7% 3 RPM SUPER PTY LTD <RPM SUPER FUND A/C> & ASSOCIATED ENTITIES 97,055,038 2.1% 35 0.016 30 0.014 4 DAVY CORP PTY LTD <DAVY INVESTMENT A/C> 75,676,998 1.7% 0.012 5 A RAZAK GROUP PTY LTD <A RAZAK GROUP FAMILY A/C> 74,746,310 1.6% 25 20 15 10 0.01 0.008 Directors' shareholdings 0.006 0.004 5 0.002 0 0 Name Holding % IC Adrian Floate 307,110,077 6.7% Peter Richards 56,956,121 1.3% Stephen Dale 1,694,444 0.04% 365,760,642 8.0% Total Investment 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 Thank you. Authorised by the Board of Directors spenda.co Spenda Limited 1300 682 521 investors@spenda.co