Reduce back-office spend, free staff capacity, and stay audit-ready — without ripping and replacing.
True digital transformation starts where budgets, policies, and people intersect.
Built by and for credit unions and community banks.
One enforcement engine across intake-to-payment: Control Before Commit, Recovery After, and Audit-Ready by Design.
Budget, policy, and approvals enforced pre-PO across any ERP/GL/core — stop leakage early without process drag.
AI flags duplicates, overbilling, vendor drift — and drives autonomous recovery to measurable dollars.
Immutable evidence packs in minutes, with in-flow exception handling and full traceability.
A back-of-the-envelope calculator to gauge savings and capacity. Adjust assumptions to match your institution.
Spend Recovery: —
Capacity Value (Labor Saved): —
Total Impact: —
Use this as directional; we’ll validate with your data during a Visibility Audit.
Designed to slot into your operational reality — cores, ERPs, AP, vendors, and regulatory expectations.
Choose an overlay to feed operational context into your current stack, or our end-to-end platform for full intake-to-payment.
Connects via API/SFTP/flat files — ideal for institutions that can’t rip-and-replace but want ROI now.
Replaces intake-to-payment for orgs with ~200–5,000 employees (credit unions, insurers, regional banks, departments).
SpendWell.AI collaborates with industry leaders to deliver innovative solutions to businesses and the public sector.
Partnered with Carahsoft Technology Corp. to deliver solutions via GSA, NASA SEWP V, and Army ITES-SW2.
Most institutions see measurable exception-related wins in weeks and capacity benefits inside 90 days.
No. In overlay mode we enrich and enforce across your current stack. In end-to-end mode we can run intake-to-payment.
Start lightweight with SFTP/flat files, then graduate to APIs as needed. We meet you where you are.
Evidence packs compile in minutes, with full traceability and in-flow exception handling — audit-ready by design.