Spentra vs Lendee App

A complete pay access solution designed to improve financial stability. Get early access to earned wages anytime, anywhere. Money Earned® from Spentra is an employer-sponsored benefit. It was designed from the ground up to provide employees with a better option to get and manage their pay. Money Earned® is our proprietary patented product that allows you instant access to up to 50% of your already earned net wages in advance of your paycheck date. Your money is sent directly to your own debit card or bank account. If your employer already offers Spentra, just download the app, link your debit card or bank account, and begin to manage the money you know you have. If your employer does not currently offer Spentra, just have them contact us at info@spentra.com and we will be glad to make that happen. Take control of your money and align what matters to you…today. MANAGE YOUR PAY FROM THE SPENTRA APP Enroll in minutes directly from the app Link your own debit card and bank account Choose how you receive your money: to your debit card or to your bank account See your available earned wages anytime Review your transfer history in the app Friendly and responsive customer support Our patented benefit, Money Earned® *Standard message and data rates from your wireless service provider may apply. The Money Earned® service is provided by Spentra, LLC. See the app for terms and any applicable fees.

Lendee lets you buy receivables: the remaining payments on payment plans that businesses have offered their customers. You buy those payments at a discount and collect them as the customer pays. How It Works 1. Explore: Browse available contracts and filter by number of payments remaining, amount, term, and Lendee Score. 2. Evaluate: Review the business profile, the customer, and the payment history before you buy. 3. Purchase: Buy a whole contract or just part of its payments. The contract is assigned to you and tracked in the app. 4. Receive: As the customer pays, your share is credited to your Lendee Wallet on the contract's schedule. 5. Redeploy: Transfer funds to your bank account or use them to buy another receivable. Why Businesses Sell Their Payment Plans Dental, veterinary, optometry, physical therapy, and auto repair practices often let customers pay over time. Instead of waiting months to collect, they sell the remaining payments at a discount to get cash sooner. What You See on Every Contract • Contract details: payment amount, due dates, remaining term, and how much has already been paid • Business profile: verified by Lendee • Customer profile: payment history and Lendee Score Servicing Is Handled for You A servicer manages each contract for its full term: billing, payment reminders, payment tracking, follow-up on late payments, and recovery. Your Lendee Wallet See what you have received, what is still to come, and your upcoming payments in one place. Payments arrive on the contract's schedule, not as a lump sum. Important to Know Receivables are not bank deposits or savings products. They are not insured or guaranteed. Customers can pay late or stop paying, and you could get back less than you paid. A good payment history does not guarantee future payments. Review each contract carefully before you buy.