About Us

Our mission is to make it easy for small businesses to access lending. With Waddle, they can manage their daily cash flow to suit the way they manage their business. And since 2014, we've gone from assisting companies in Australia to partnering with financial institutions around the world.

The Waddle story

The Waddle story

Waddle founders Nathan Andrews and Simon Creighton have been friends since school. Their interest in technology began then. Nathan was a coder and Simon more into infrastructure.

Fast-forward 15 or so years and Simon found himself in the world of invoice financing. He realised that there was something wrong with the overly manual way invoice finance facilities were managed and believed there was a better way. So he called on the best developer he knew, his old school friend Nathan. In 2014, they began working together. Initially, they kept their day jobs and started Waddle as a hobby.

Things began to get real when Nathan and Simon won their first client in mid-2015. Waddle now has a customer base numbering in the hundreds, partnerships with banks and financial institutions around the world and in late 2020 was acquired by global cloud accounting company, Xero.

Who are we?

At Waddle, we help businesses grow. With our innovative invoice finance platform, we offer industry-leading automation and flexibility, along with the friendliest terms and the most transparent pricing. Seamlessly connecting with all major accounting platforms, our software gives Australian businesses easy and fast access to working capital. These days we're also working with financial institutions around the world, who are offering a version of the Waddle platform to their own business customers.

The team at Waddle are a happy bunch, spending our days together on the top floor of spacious building in Ultimo, Sydney. We're a tech company as much as we're a lender and on any given day you'll find our growing team of engineers constantly tweaking and improving the Waddle platform and our credit team helping our clients to manage their cash flow. We just love to hear the growth stories made possible through our funding.

Who are we?


Waddle was acquired in October 2020 by global cloud accounting company, Xero. For many years prior to the acquisition Waddle and Xero were close partners, with our platform listed as an add-on in the Xero Marketplace.

Xero saw a beautiful connection between our purpose “making it easy for small businesses to access lending” and their purpose “helping small businesses to thrive worldwide”. The acquisition was an important step in Xero's strategy to grow their small business platform and to help their customers better manage cash flow and gain access to working capital as needed.

The teams at Waddle and Xero are now working closely together on some exciting projects, which we can't wait to announce in the not-too-distant future.


Helping small businesses grow

We've come a long way since 2014. We're now helping companies around the world get easy access to lending and achieve their full potential.

Waddle employees
Platform data integrations
Global banking partners

Waddle in the news

Join our team

Interested in becoming a Waddler? Learn what it's like to work in the Waddle house and see our current vacancies.