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Most invoices on operating expenses have errors.
We built AI to find them.
Bill Intelligence detects overcharges, hidden fees, and outdated pricing. We then recover those costs directly with your existing vendors.
We negotiate directly with vendors like:
Every bill gets paid, few get verified.
96% of our clients find cost reductions. Here is how we do it.
Ingest
We learn about your company and the vendor categories you want to prioritize. We look at what you are currently paying and where we expect to find overcharges.
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Analyze
Spendly reviews your invoices and contracts against three things: your contracted rate, your billing history, and our benchmark database. Every deviation is documented with the specific line item, the dollar amount, and the basis for the discrepancy.
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Save
We negotiate directly with your existing vendors and recover what you are owed. Savings appear on your next billing cycle from the same vendor at the corrected rate. You pay us a portion of what we actually recover.
What Our Clients Say
“Spendly is now a core lever in our margin optimization toolkit."
As CFO, I'm accountable for financial performance and operational discipline. Spendly made an immediate difference by surfacing cost-saving opportunities we had previously overlooked. Within a single quarter, we reduced expenses across several vendor categories, and those savings directly improved our bottom line. That kind of impact is rare — it gave us meaningful room to reinvest in the business. Spendly is now a core lever in our margin optimization toolkit.
“We highly recommend Spendly"
Our experience has been nothing but outstanding working with Spendly. We have been impressed by the savings they have been able to obtain on our behalf within multiple expense categories of our company. We highly recommend Spendly to anyone looking for cost savings in their company.
“The process was also very personalized"
I was delighted to see significant savings of $10k/year just on our payroll processing and HR services fees while still working with strong, reputable companies.The process was also very personalized and involved me working face-to-face with another human while still letting technology do the heavy lifting. Spendly did a great job following-up after signing up with their partners
"The attention to detail in catching my original policy error"
With Spendly, I saved 50% a month in payroll service fees. A new insurance company noticed that my existing policy had failed to add insurance for the all the products I sell in my store, I was shocked. My savings was a nice surprise but the attention to detail in catching my original policy error has made me a Spendly customer who wants to spread the news.
"Relief of knowing we have the best system in place"
We knew for months that we were overpaying but we didn't have the time or the knowledge to sift through all of the different vendors and offerings. Spendly found the best fit for us, and helped facilitate a smooth transition process. Now, we are saving money every month, and above all, we have the relief of knowing we have the best system in place for our needs. Thank you Spendly!
"Shop vendors privately to get big savings immediately"
As a small business owner, without a purchasing department, I was able to shop financial and benefit vendors privately to get big savings immediately. Thank you Spendly for making it so easy.
"The process was quick and respectful of my time"
As a small independent business owner, the savings each month have been exponential. The process was quick and respectful of my time - all the research was at my fingertips with well-established companies to choose from. Bottom line...I am saving $1,200 each month by switching my credit card processor, payroll, and insurance.
Who Are You?
Find the path that fits your situation.
Enterprise
We help Fortune 1000 teams uncover & eliminate organizational cost inefficiencies.
Overcome Margin Compression, Accelerate Profitability
Procurement teams focus on upfront negotiations. Finance teams manage budgets and forecasts. But who’s reviewing every line item after the contract is signed?
Spendly fills the gap by analyzing real-time spend data for overcharges, hidden fees, and unoptimized vendor terms, without burdening your internal teams. If we find any, our team will get a refund or help lower costs.
Expenses Aren’t Set-and-Forget
3,100 different types of bank fees can charge on a corporate bank account
33% of SaaS contracts include automatic annual hikes - some up to 71%
40% of profits in the shipping industry come from surcharges
Mid-Market
We analyze real-time billing data to catch overcharges, fee creep, and missed savings opportunities.
Control Costs Without Slowing Growth
When your company scales fast, so do your expenses—and complexity. Vendor contracts pile up, new tools get added, and billing oversight often falls behind. That’s where hidden costs start significantly eating into margins.
Your procurement team is lean. Finance is focused on forecasts and closing books. But who’s monitoring your actual spend—line by line, month after month?
Expenses Aren’t Set-and-Forget
3,100 different types of bank fees can charge on a corporate bank account
33% of SaaS contracts include automatic annual hikes - some up to 71%
40% of profits in the shipping industry come from surcharges
Small Business
For SMBs with 25+ employees. No upfront costs, switching vendors or disruption to your business.
Catch Hidden Costs & Keep More of What You Earn
When you're wearing multiple hats, it's easy for vendor bills and service fees to slip through the cracks. But even small overcharges add up—potentially costing your business tens of thousands every year.
Most small business owners focus on growth and keeping customers happy. But who's making sure you're not overpaying on routine expenses after the contract is signed?
Spendly Does the Work for You
We review your actual bills and service contracts to spot overcharges, unnecessary fees, and overpriced terms. If we find anything, we’ll help get it refunded or renegotiated—without extra work on your end.
Private Equity
Seamlessly unlock margin, expand EBITDA and maximize exit value with Spendly.
An Engine for Margin Expansion
In today’s market, margin expansion is one of the most reliable levers for driving enterprise value. Yet most portfolio companies are losing 20–30% of potential EBITDA due to unchecked vendor spend and margin leakage.
We partner with portfolio CFOs, COOs, and PE operating teams to:
Continuously analyze OpEx categories with real-time data
Recover missed savings across invoices and contracts
Deliver hard-dollar EBITDA gains without distracting internal teams
$1M in recovered costs = $8–12M in added enterprise value
Core Cost Reduction Categories
Our streamlined process is designed to deliver impactful results across multiple expense categories
Payroll
49%
Commercial Insurance
43%
Payment Processing
33%
Employee Benefits
22%
Internet
22%
We offer additional industry specific cost-reduction categories. Please inquire to learn more.
Not sure where to start? We'll figure it out in 20 minutes.
