ERP1. Roles and scope
Top Digital d.o.o., MBS 081170998, OIB 72317551155, VAT ID HR72317551155, Vladimira Nazora 23, 49210 Zabok, Croatia, administers the financing service on the Spona platform. The financier and all contracting parties are identified in the documents for the individual transaction. The administrator is not automatically the financier or the party assuming payment risk. Spona’s ERP provider is Top Digital Agency Limited, Ireland, company number 642562, VAT ID IE3613706OH. Financing is optional; you may use the free ERP without it. No banking licence, regulatory exemption or approval of a transaction is asserted by this page.
2. Two financing directions
As a supplier, you may request earlier payment on an eligible unpaid amount; the agreed fee is deducted and your client pays the original financed amount on the agreed date to the party named in the payment instructions. As a client, you may request more time to pay; your supplier receives the financed amount and you pay that amount plus the agreed fee on the agreed later date. These are separate alternatives. A company’s role depends on the transaction. A counterparty invitation is an invitation to review information, not approval or an obligation to accept financing.
3. Requests and eligibility
Businesses worldwide may submit financing requests. Each request is assessed individually, including the country, parties, transaction and applicable requirements. Submission does not guarantee availability, an offer or approval. A request may start from a completed, client-confirmed Work stage, an eligible accepted purchase order, an eligible unpaid sales invoice or the direct questionnaire. Internal projects cannot be financed. Provide accurate business and transaction information, the requested documents and relevant identity or business-verification information. Do not submit fictitious, disputed, previously assigned or encumbered amounts, conceal restrictions on transfer, duplicate a financing request for the same exposure or manipulate amounts and dates. Inform Spona promptly of disputes, payments or changes. Supporting records, confirmations and an invitation do not guarantee eligibility. Spona or the identified financier may decline or request further information.
4. Fees and payment dates
The website illustrates a single one-time transaction fee of 2.95% for 30 days, 6.38% for 60 days and 9.99% for 90 days, calculated on the financed amount. For EUR 10,000 these examples are EUR 295, EUR 638 and EUR 999. The calculator is not a binding offer. The agreement confirms the actual amount, fee, applicable tax treatment, due dates and any consequences of late payment before you accept. There is no separate additional platform administration fee under this offer. Changes to published pricing do not change a signed transaction. Payment timing follows the agreement and completion of its conditions; no same-day or one-business-day payout is promised by the website.
5. Review, signing and payment
After submission, Spona reviews the request and may ask for additional information or documents. If an offer is made, review its conditions and the parties involved. Complete required verification and signing by all required parties before payment is arranged. Follow requests, responses, documents and status in the financing workspace. A signed status is separate from payment: Spona records when funds have actually been sent. The agreement determines the recipient and payment direction. Where a receivable is assigned, the applicable agreement and notice identify the new recipient of payment; follow verified payment instructions and report any conflicting request.
6. Non-payment and disputes
Financing does not insure payment or remove all commercial risk. The transaction agreement determines liability if the original debtor does not pay, including whether payment may be demanded from the supplier, relevant deadlines, permitted charges and remedies. Review those provisions before signing. Notify Spona and the named financing counterparty promptly of a dispute or a payment received contrary to assignment instructions. Where the agreement requires onward transfer, follow its stated deadline. ERP confirmation does not waive rights that cannot lawfully be waived. General website copy neither replaces nor changes an existing agreement.
7. Documents, privacy and access restrictions
Only provide information relevant to the request and ensure you have authority to share it. Relevant data may be disclosed to the identified financier and authorised providers for verification, review and fulfilment of the transaction, under their disclosed roles and privacy notices. It does not give them access to your entire ERP workspace. Marketing choices remain separate. Access may be suspended for suspected fraud, disputed transactions, missing verification or breach, with notice of the grounds within three business days unless prohibited by law. General privacy rights and the applicable DPA remain unaffected.