Accessible payment-linked financing for everyday businesses
Receive an agreed amount upfront. Repay at source as a small, pre‑agreed share of revenue or card takings. Simple to apply, clear terms.
£50m+
advanced to small businesses
90%
are immigrant and woman‑owned businesses
82%
renewal rate or returning customers for repeat advance
2 offices
built by teams in London and Hanoi, supporting the US, UK and EU markets.
Featured on
For Business Customers
Payment‑linked financing, explained
Funding where repayments are collected directly from card and account‑to‑account payments. It aligns cash flow with trading and keeps day‑to‑day admin light. You apply online, receive funds, then repay automatically from your revenue or card takings.
5 minutes
Average application time
24 hours
Application to offer
82%
Renewal or returning customers
Other Products
Instant Payout
Empowers payment companies to give their business clients immediate access to funds, boosting cash flow and supporting faster growth.
Settlement Pre-funding
Provides payment companies with liquidity to bridge settlement cycles, ensuring smooth operations and reducing financial strain.
Custom Payment Liquidity
Delivers tailored credit solutions for payment companies to optimise cash flow and support unique business models within the payment ecosystem.
Why Choose SAPI
Fast, fair, flexible and performance‑led
Quick to start and fast to funding
Offered direct and through trusted partners, with a straightforward set‑up.
Clear terms
Simple, fixed pricing agreed upfront with no hidden fees.
Repayment at source
Hassle-free collections flow through existing payment methods, which is flexible and easy.
Build for inclusion
We serve businesses banks often overlook, such as immigrant or woman-owned businesses, with the discipline of evidence‑led underwriting.
For Partners
Offer payment‑linked financing to your business customers
For Payment Service Providers, Marketplaces, Introducers and Brokers, Vendors and providers to businesses, and FinTechs and neobanks. Add a capital product that repays at source, with configurable controls and light integration. We bring the underwriting and servicing needed to operate at scale.
