FREE ERP. BUILT AROUND YOUR COMPANY.

Your whole company.
One free ERP.+ Financing embedded.

Run your company in one free ERP. When you need financing, start with the work, customer invoices or supplier orders already in Spona. Reuse your company details. Spend less time preparing the request.

Get started free →Explore financing →

Free modules and standard Power add-ons. Financing is optional, with a separate fee and review.

Your companyOne place to manage your business

WorkStages & progress PeopleYour team, connected SalariesPay records PurchasingOrders & suppliers SalesQuotes & invoices AccountingCash & plans MarketingContent & campaigns CRMContacts & opportunities InsightsWeekly business insights Make it yoursChoose your modules

EMBEDDED FINANCINGExplore →

Work, invoice or orderReview & agreementAgreed payment

Free ERP. Financing when you choose it.

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CHOOSE YOUR STARTING POINT

One area today.
More when you need it.

Start with one module. Everything connects as you grow.

Your companySelect a module to explore.

One connected workspace.All modules

Work

Plan stages, track progress and keep agreed work organised.

Explore Work

CHOOSE YOUR STARTING POINT

One area today. More when you need it.

TRY IT · EXAMPLE DATA

FURNITURE ORDER1/3stages confirmed

01Production✓ Confirmed

02FinishingAwaiting confirmation

03DeliveryNext up

Move the order forward.

The finishing stage is complete. Add the customer’s confirmation.

YOUR ERP. YOUR NEXT STEP.

Less paperwork.
A faster start
to financing.

Your invoices, orders and company details are already in Spona. Use them to start your financing request, with less gathering and re-entering.

Already in your ERP
Details reused
Ready for review

Start with an unpaid customer invoice. Bring its details into your financing request.

See an exampleCompany verification, supporting documents and review are still required.

ERP + FINANCING, CONNECTED

Run your business.
Start financing from the same place.

INTERACTIVE EXAMPLE

ONE SPONA WORKSPACEEXAMPLE DATA

01 / ALREADY IN YOUR ERP

SALESINV–024

Furniture delivery

€10.000Customer invoice

Company & contactSaved in your profile

Company verification kept with your company

02 / YOUR FINANCING REQUEST

Earlier payment

Customer invoiceFrom your ERP

Company & contactFrom your profile

THENAdd supporting PDF · Review & consent

Review & verificationAgreementFunding

The order is delivered. Your customer pays later.

Less admin. A faster start to financing.

Your ERP already holds the work, customer invoice or supplier order behind your request. Spona connects it to financing and reuses saved company details, so you spend less time gathering information and filling in the same fields.

Company verification (KYC) is part of the connected process. Supporting documents, approval and agreements are still required; payment follows the agreed terms. Illustrative example.

SEE THE NUMBERS

What could that
look like for you?

One invoice. One fee. A clear payment date.

Explore financing

Two colleagues working together at a laptop in a bright office

Illustrative invoice amount€10,000

Choose a period (days)

You receive€9,705

After approval and signing

30 days

Your customer pays€10,000

On the agreed date

One-time fee€295

Fee deducted from the invoice amount

Example only. Each request is reviewed. Your agreement sets the final fee and payment date.

OPTIONAL FINANCING

Get paid earlier.
Give yourself more time to pay.

Waiting for a client payment? Need to pay a supplier? Request financing from your work, customer invoices or supplier orders—or start a standalone request. Review the fee and payment terms before you decide.

THE SAME JOB, THREE WAYS

Who pays whom — and when.

TraditionalPaid in 30 days.

The client confirms — and pays the supplier 10.000 € on the agreed date.

You are the supplierCollect earlier.−295 € · one fee

After approval and signing, Spona pays you 9.705 €. The client pays Spona 10.000 € on the agreed date.

You are the clientPay later.+295 € · one fee

After approval and signing, Spona pays your supplier 10.000 €. You pay Spona 10.295 € on the agreed date.

One fee, charged once30 days 295 € (2,95 %)·60 days 638 € (6,38 %)·90 days 999 € (9,99 %)— on a €10.000 confirmed amount

Example: a €10.000 confirmed stage over 30 days. Spona coordinates the service with its financing partner. Every request is reviewed; the agreement sets the fee and payment dates.

Your ERP stays free. Financing is optional and subject to approval.

Explore financing →

FINANCING IN PRACTICE

For the people
keeping business moving.

Explore how financing fits three everyday business needs.

TransportThe next route cannot wait.View exampleClose example

Fuel is needed for the next journey. Customer payments may arrive later.

WHAT WAS FINANCED

Fuel purchases supporting transport operations.

Agreed term in this case90 days

ProductionKeep production moving.View exampleClose example

The filling partner needs paying before the finished drinks generate sales.

WHAT WAS FINANCED

Beverage filling services supplied by an external producer.

Agreed term in this case60 days

Digital servicesKeep delivery on schedule.View exampleClose example

Development costs arrive while client payment may still be ahead.

WHAT WAS FINANCED

Server and API development and maintenance.

Agreed term in this case30 days

FINANCING IN PRACTICE

Built around the decisions
you face every day.

A SITUATION YOU MAY RECOGNISE

The next route cannot wait.

Fuel is needed for the next journey. Customer payments may arrive later.

WHAT THIS CASE FINANCED

Financing for fuel purchases supporting transport operations.

90daysAgreed term in this case

Financed uses and terms are from anonymised cases. The surrounding situations illustrate business needs; they are not verified customer outcomes. New requests require review and agreement.

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SOLUTIONS FOR YOUR COMPANY