“Can a small Australian food-wholesale ERP become the default operating system for suppliers, venues, and delivery drivers across the fresh-food supply chain?”
Tomsoft was founded in 2018 as a lightweight ERP for Australian food wholesale suppliers and their venue customers. The product has since expanded into a three-tier suite — TOM Delivery (routing/POD), TOM Business (ordering/invoicing/payments with Xero + MYOB sync), and TOM Enterprise (multi-warehouse ERP). Embedded finance is limited to accepting payments (credit card, direct debit, BNPL) inside the ordering workflow; TOM is not itself a fintech, but resells third-party payment options to accelerate supplier cash flow.
The Embedded Finance Index 2026 maps 2 layers in TOM's stack: Lending (Buy Now Pay Later (unnamed provider)); Accounting (Xero and MYOB).
TOM is founded in 2018 and headquartered in Yarraville, Victoria, Australia.
Get a read on where your own stack stands against TOM and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.