Turn Non-Interest Expense
into Liquidity.

The only Continuous Spend Intelligence overlay purpose-built for Banks, Credit Unions, and Regulated Public Sector organizations.

Keep your ERP Keep your Workflows Add Intelligence

For Banks & Credit Unions For Government & Public Sector

See Your Efficiency Ratio Impact (Start Visibility Audit) →

300–500 bps

Efficiency Ratio Impact

Direct improvement to operating leverage.

18–25%

Recoverable Leakage

Identify and recapture lost NIE.

< 5 Minutes

Audit Readiness

From weeks of prep to instant export.

The Mechanism

From Passive Reporting to Active Intervention.

Legacy spend management tells you where you lost money last quarter. SpendWell.AI prevents you from losing it today.

The Surgical Overlay

We ingest data from your existing GL and Procurement systems without requiring a "rip-and-replace." Keep your core; add the vision.

Pre-Commit Intervention

The first AI that acts, not just analyzes. We flag policy violations, price variances, and anomalies before a PO is issued.

Automated Recovery

Audit-ready by design. AI predicts GL codes, scores risk, and identifies missed credits or overpayments automatically.

Two Deployment Paths. One Engine.

Flexible architecture that adapts to your infrastructure—not the other way around.

1. Overlay Mode

Connects via API/SFTP/flat files. Ideal for large enterprises, banks, and government agencies that need to add intelligence without ripping out their existing ERP or Finance system.

Speed to Value: 30 Days

2. End-to-End Mode

Full Source-to-Pay Replacement. Designed for organizations (credit unions, mid-market, specific departments) that want to modernize the entire intake-to-payment lifecycle.

Speed to Value: 90 Days