ERPCollect earlier.
After approval and agreement, you receive the financed amount minus the one-time fee. Your client pays the original amount on the agreed date.
OPTIONAL FINANCING
Keep business moving.
Choose better payment timing.
Get paid earlier as a supplier, or request more time to pay as a client. Start from Work, Purchasing or Sales—or tell us about the transaction through a direct questionnaire.
The ERP stays free. Financing is optional, with a separate fee, review and agreement.
Pay later.
After approval and agreement, your supplier receives the full financed amount. You pay that amount plus the one-time fee on the agreed date.
FOUR WAYS TO START
Start with your work, invoice or supplier order.
Start from an existing module record, or choose New financing request in the platform’s Financing area. All four routes use the same questionnaire. Module routes fill in the details Spona already has; a supporting PDF is required every time.
Work
Request financing for confirmed work.
Start from a completed stage confirmed by the client. Keep the agreed amount and evidence of completion together. Internal projects cannot be financed.
Completed stage → Client confirmation → Request
Purchasing
Pay your supplier. Keep time on your side.
The supplier’s acceptance of an order opens the financing path. The order shows the amount available to finance; when deliveries are recorded, that figure reflects the received quantities.
Accepted order → Finance this order → Questionnaire
Sales
An unpaid invoice. An earlier payment option.
Open an unpaid invoice and request earlier payment on the outstanding balance. If part has already been paid, the request uses the remaining amount, not the original invoice total.
Unpaid invoice → Remaining balance → Questionnaire
DIRECT QUESTIONNAIRE
Have a transaction, but no Spona record yet?
Choose New financing request in the platform. Select services, goods or projects, say whether you owe the money or are owed it, and choose a term. Upload an offer or invoice and confirm your company details.
Choose → Upload PDF → Confirm details → Submit
FROM ENQUIRY TO PAYMENT
Know what happens next.
- 01
Choose the transaction and your role
Services, goods or projects. Choose earlier payment or more time to pay, and a 30, 60 or 90-day term. Review the privacy policy and terms before continuing.
- 02
Upload your document
Upload one offer or invoice as a PDF, up to 25 MB. A document is required even when you start from a module.
- 03
Confirm company details
Check your company’s OIB and contact details. The platform saves these to your profile so you do not need to enter them every time.
- 04
Review and submit
Check the request and send it to Spona. Follow its status, messages and next steps in Financing.
An offer comes before an agreement.
Spona reviews your document and may ask for more information. If an offer is made, review its terms in the platform. Acceptance, verification and signing follow before payout. Add a payout account when you are to receive funds.
FROM WORK TO A FINANCING REQUEST
Confirmation opens the next step.
01Foundation works€10.000
IN PROGRESS
Not Ready
Work not completed, still not ready to finance.
01Foundation works€10.000
IN PROGRESSCONFIRMED
Client confirmed
Ready for review
Request financing against the confirmed stage.
For Work, the completed stage needs the client’s confirmation. Supporting documents, review and an agreement follow. Confirmation alone does not guarantee financing.
THE SAME JOB, THREE WAYS
Who pays whom — and when.
The client confirms — and pays the supplier 10.000 € on the agreed date.
After approval and signing, Spona pays you 9.705 €. The client pays Spona 10.000 € on the agreed date.
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.
WHERE THE FEE GOES
The same €295. Two ways to account for it.
Confirmed stage 10.000 € the original amount
GET PAID EARLIER · fee deducted
€295one-time fee · 2,95%
PAY LATER · fee added
€295one-time fee · 2,95%
€10.295 you pay on the agreed date
Both bars use the same scale. Green shows the amount received; purple shows the fee. Example: 30-day term.
INVOICE FINANCING IN CROATIA
Looking for factoring in Croatia?
If you are comparing factoring or invoice financing because you want to collect a business invoice earlier, consider financing through Spona. Start from a relevant ERP record or upload an invoice with a new financing request. Spona coordinates the service with its financing partner; each request is reviewed before an offer and agreement.
Compare the offer, not just the percentage.
- Net payout: how much you receive after all fees and any retained amount.
- Timing: required documents, approval conditions, payout date and payment due date.
- Responsibilities: who pays whom, whether the customer must confirm the transaction and who bears the risk if payment is late or missing.
- Total cost: compare offers for the same invoice amount and term, including any additional charges.
The calculator is illustrative, not an approval or a binding offer. The financing agreement defines the provider, legal structure, fees and responsibilities. Do not assume that every invoice-financing arrangement has the same terms as factoring.
Clear questions. A better financing decision.
Who can apply, and for what?
Companies can submit a business-financing enquiry for services, goods or projects. In the ERP, an eligible customer invoice, accepted supplier order or completed client-confirmed work stage can be a starting point. A standalone request can include an offer or invoice. Submission does not establish eligibility; the transaction and company are reviewed individually.
What documents should I prepare?
Prepare an offer or invoice as a PDF (up to 25 MB), company identification and contact details, the amount and requested term, and evidence of the underlying transaction. Further information and verification may be required during review. Where you will receive funds, a payout account is needed before payment.
How much will I receive?
For earlier payment, the calculator subtracts the illustrative one-time fee from the amount being financed. For deferred payment, it adds the fee to the amount due while the supplier receives the original amount. These are separate roles, not two fees on one request. The written offer determines the actual cost and dates.
Who provides financing and signs the agreement?
Spona coordinates the service with its financing partner. Before accepting an offer, request and check the full legal names and roles of all contracting parties, the payment recipient and the transaction terms in the agreement. The free ERP service and financing are separate services.
What if the customer pays late?
Do not assume that financing transfers the risk of non-payment. Before signing, confirm who remains liable, any recourse or security, late-payment charges and the process for disputed invoices. Those obligations depend on your agreement; the calculator does not price or insure that risk. Contact the team about a specific late or disputed invoice before applying.
How does this compare with factoring?
Compare the same invoice amount and term, net cash received, total fees, any retained amount and who bears payment risk. Spona also connects the request with ERP records and supports a separate pay-later use case. The legal structure and availability are set by the actual agreement; invoice financing and factoring are not interchangeable labels for every transaction.
FINANCING IN PRACTICE
From fuel and equipment to services and receivables.
Explore anonymised examples across industries. Each shows what was financed and the term agreed in that case.
19 examples
Beverage production60 days
Outsourced filling
Financing for beverage filling services supplied by an external producer.
Agreed term60 days
Beverage production60 days
Import duties
Financing for customs charges associated with an import.
Agreed term60 days
Beverage production60 days
Packaging purchases
Financing for the purchase of cans used in beverage production.
Agreed term60 days
Beverage production60 days
Packaging-related charges
Financing for packaging waste-management charges and return fees.
Agreed term60 days
Sport90 days
Sponsorship income receivable
A football club financed its proportional share of sponsorship income, payable by a national football association.
Agreed term90 days
Engineering and technical services60 days
Website development
Financing for the design and development of a business website.
Agreed term60 days
Engineering and technical services60 days
Specialist systems programming
Financing for programming specialist systems to meet a client’s project requirements.
Agreed term60 days
Engineering and technical services60 days
Technical maintenance
Financing for maintenance, interventions and system functionality checks.
Agreed term60 days
Transport and logistics90 days
Fuel for transport operations
Financing for fuel purchases supporting transport operations.
Agreed term90 days
Robotics and automation90 days
Robotic equipment
Financing for the purchase of robotic equipment from an international supplier.
Agreed term90 days
Robotics and automation90 days
Batteries for robotic equipment
Financing for batteries used to power robotic equipment.
Agreed term90 days
Food distributionTwo contracts
Frozen-food purchasing and transport
Financing for the purchase and transport of frozen food. An initial 60-day contract was followed by a separate 30-day contract for the same amount.
Contract 1 60 daysContract 2 30 days
Separate contracts · same amountDigital services60 days
Digital advertising
Financing for advertising on digital platforms.
Agreed term60 days
Digital services30 days
External specialists
Financing for payments to freelance service providers.
Agreed term30 days
Digital services30 days
Social media management
Financing for outsourced social media management.
Agreed term30 days
Digital services30 days
Affiliate marketing
Financing for affiliate marketing services.
Agreed term30 days
Digital services30 days
Server and API development
Financing for server and API development and maintenance.
Agreed term30 days
Digital services30 days
Marketing and graphic design
Financing for marketing services and graphic design.
Agreed term30 days
Digital services30 days
Conversion optimisation
Financing for services to improve website conversion.
Agreed term30 days
Participant names are withheld and descriptions generalised for confidentiality. Terms relate to individual cases; new financing is subject to review and agreement. These examples do not establish eligibility for every transaction.
YOUR NUMBERS
Invoice financing calculator: what would it cost?
Choose the type of work, your side, the amount and the term. Compare what each side receives or pays.
01What are you financing?
02Are you receiving or making the payment?
03How much, and when?
Press Enter or leave the field to update. Example range: €500–€100,000; not an eligibility limit.
Illustrative term
THIS IS OWED TO ME
Confirmed amount10.000,00 €
One-time fee · 2,95%−295,00 €
Estimated amount you receive9.705,00 €
Your client pays the original 10.000,00 € on the agreed date.
Continue with these details →An estimate, not an approved request. Supporting documents, review and an agreement are required.
Have another offer? Compare the numbers.
Use the same invoice amount and duration. Enter the total fees from your own offer, including fixed charges and any applicable taxes. We do not supply competitor prices. This comparison assumes fees are deducted upfront.
Not a market ranking or a binding offer. Compare recourse, security, approval conditions, payout dates and reserve-release conditions separately. Inputs stay in this page; they are not saved or included in analytics or the enquiry email.
Before you make a request.
Do I need to activate every module?
No. Use a relevant module record or open New financing request in the platform to upload an offer or invoice directly.
Does the calculator approve financing?
No. It illustrates the fee and payment amounts. Eligibility, documents, review and an agreement are required.
Can an internal project be financed?
No. Work financing requires a completed stage confirmed by the client. An internal project has no external client confirmation.
Does submitting a request move money?
No. Submission starts the review. Any offer must be accepted, verification completed and the agreement signed before payout.