Pioneering Everyday Micropayments
Small Payments. Real Progress.
SpenDebt is a financial technology company pioneering Everyday Micropayments — a simple way to turn everyday spending into measurable progress.
We believe making progress shouldn’t always require a big payment. Small, consistent payments can add up — helping people move forward while helping businesses create better payment experiences for their customers.
Micropayments = Progress.

Kiley and Tylisha Summers
It Started With Our Own Journey.
Shortly after college, we found ourselves with more than $100,000 in consumer debt. Like many families, money wasn’t something we grew up talking about. We knew how to make payments, but we hadn’t learned how small financial decisions could compound over time.
So we decided to change our story.
With the help of a financial advisor, we created a plan, became debt-free, and began sharing what we learned with family and friends.
But something stayed with us: people wanted to make progress, but they needed more ways to do it.
That insight became SpenDebt.
We built SpenDebt around a simple belief — progress doesn’t always have to happen in big steps. Small, consistent actions can add up to something meaningful.
Today, that belief is at the heart of Everyday Micropayments and our commitment to helping people, businesses, and communities move forward.




