Accessible capital that runs on payments
We provide payment-linked financing with repayment at source, delivered with trusted partners so viable businesses can access fair, flexible funding.
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Mission
Expand access to fair, flexible capital through payment-linked financing, delivered with partners to serve overlooked business owners.
Vision
Every viable business can access funding through its payment relationship, including those banks too often exclude.
What we do
Payment-linked financing is funding where repayments are collected directly from card and account-to-account payments. Its repayment aligns with business trading and keeps day-to-day admin light.
How SAPI Delivers It
We design and fund advances that repay at source through existing payment flows, supported by evidence-led underwriting and disciplined servicing. Partners include Payment Service Providers, Marketplaces, Introducers and Brokers, Vendors and providers to businesses, and FinTechs and neobanks.
Access that reaches further
We have helped thousands of business owners, with 90 percent of the loan book supporting immigrant and woman-owned small businesses.
That is access delivered to overlooked entrepreneurs through payments, with clear terms and no hidden fees.
Our footprint and team
We build from London and Hanoi, and offer financing to businesses globally.
The platform connects repayment-at-source rails with underwriting and servicing so partners can offer funding without swelling their balance sheet.
Our values
Grit
Grit is all about perseverance. At SAPI, we do not hide. We face challenges head-on and never give up. We believe in hard work and pushing through obstacles to achieve our goals. Our determination drives us to keep going, even when the going gets more complex and challenging.
Ambition
Ambition fuels our drive for success and our excitement to keep building. We set high goals for ourselves and others, and strive to exceed them. Our ambition keeps us focused on the next steps, always looking for ways to improve and expand. We believe there are no limits to what we can achieve.
Integrity
Integrity is the foundation of our business and our people. We are honest, transparent, and ethical in everything we do. We build trust by doing the right thing, even when no one is watching. Our integrity ensures that we maintain the highest standards in all our interactions and relationships.
Empathy
Empathy means understanding and valuing the perspectives of others and truly believing in diversity. We listen to our partners, clients, capital providers and shareholders, recognising their needs and concerns. This helps us build strong, supportive relationships that truly benefit them.
What we’re up to
Build the future of payment-linked credit
We are precise, inventive and pragmatic. If that sounds like you, explore open roles in London and Hanoi.
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Check out all legal agreements, disclaimers and other detailed fine print about us.
