Payment-linked Financing Explained

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Illustrative Offer

How Repayment Works

Repayments are a fixed percentage of your sales taken at source until the advance plus a one-time fixed fee is fully repaid. Typical repayment rate 10%–30%.

To make sure the agreement completes on time, there is a minimum monthly payment of one-twelfth (1/12) of the advance if sales are too low in a month.

There is no interest and no early repayment fee. Paying early simply ends the agreement.

Who we can fund

Where your business and director(s) are based

General payment-linked advances are available to companies incorporated in the United Kingdom. We also support other selected countries globally, please check with us.

The director who gives the personal guarantee must live in the same country as the company.

Your settlement bank account must be in the same country as your incorporation.

Business Age

Minimum 12 months trading, verified via Companies House or your local registry.

Revenue on your main platform

At least £10,000 in the last quarter.

Personal Guarantee

At least one personal guarantee from a director is required. Where there are multiple owners, more than one PG may be requested

What we check

Trading data on our partner platform and via open banking to confirm income and stability.

Credit data on the business and directors.

Existing commitments so repayments are affordable.

Eligibility FAQ

Do I need to be profitable?

We focus on revenue and affordability, not just profit. We assess trading data, open banking information and existing commitments to ensure the facility is sustainable.

What size advance can I apply for?

From £10,000 up to £500,000 for companies, subject to affordability and policy. For exceptional, established and credit worthy businesses, we also make exceptions to increase beyond the maximum £500,000.

How are repayments taken?

Automatically as a percentage of your sales. If sales dip, repayments fall too. We may collect a minimum monthly amount of one-twelfth (1/12) of the advance by Direct Debit to keep you on track.

Is there interest? What happens if I repay early?

There is no interest. You pay a one-off fixed fee agreed upfront. If you repay early, the agreement ends with no early repayment charge.

Do you require a personal guarantee?

Yes. At least one director provides a personal guarantee. In some cases we may require guarantees from multiple owners.

Which documents should I prepare?

Basic company information, ID and proof of address, and permission for open banking. If electronic verification fails, provide one of the accepted proof-of-residency documents listed above.

Will a poor credit history automatically disqualify me?

We check business and director personal credit files. Significant adverse events or excessive CCJs may lead to a decline, although you can request a manual review if you believe information is incorrect.

What happens if my sales slow down a lot?

Our collections team will work with you to agree the best path forward before any formal action, including reviewing income and expenses to set a sensible plan.

How do I check if I am eligible for a renewal?

Good payers are typically eligible once 70% of the original facility is repaid. Each renewal is assessed to ensure it remains affordable. Keep in mind that SAPI accounts are reviewed for eligibility on a daily basis. Offer eligibility is based on a variety of factors related to your SAPI account, including payment processing volume, account history and payment frequency. The better your repayment behaviour is with SAPI, the more likely you are to become eligible for a renewal offer.

What happens now?

Keep processing with your current payment providers – and consider the eligibility factors above as you process. There’s no need to contact us or request an eligibility review. The review is automatic, and we will let you know via your SAPI Dashboard and by email if you are eligible for an offer – saving you time so you can focus on your business.

Note: SAPI is unable to manually generate or predict offers; all business clients must qualify based on eligibility criteria.

How is eligibility determined?

There are many factors that may affect your eligibility, and accounts are evaluated as a whole. This means that meeting one or more eligibility factors doesn’t guarantee that you’ll be eligible for a financing offer – your business needs to satisfy all criteria to be eligible.
Your business’s revenue or processing volume is just one of many considerations used to determine eligibility.

Here are a few examples of the things that are considered when evaluating your business for an offer:

Your processing volume: In general, businesses that have processed at least £10,000 or more in a quarter are more likely to be eligible for an offer.
Your payment frequency: The frequency of card payments you process through SAPI matters. If you consistently take payments, you’re more likely to get noticed. To us, a steady pattern of taking payments shows that you have a healthy business.
Your customer mix: A good mix of new and returning customers shows us that you’re growing in different ways. You can use SAPI’s analytics tools to understand your customer base better.
A healthy, growing business: The size of your financing offer is generally shaped by how much you process through SAPI.

Why is my business not eligible for a financing right now?

While your business needs to satisfy the above criteria to be eligible for SAPI Payment-linked Advances, the below factors also impact eligibility:

Chargeback history: A chargeback happens when a customer disputes a charge from your business and contacts their bank to reverse it. You can reduce your chargeback risk by avoiding card not present (manually keyed) payments when your customer is in store. You can use a SAPI Reader to process contactless or chip cards in person and review our best practices for accepting card payments.
Multiple outstanding advance or payment accounts: If you have multiple payment accounts or outstanding financing through other providers, make sure that they are all processing consistently and are current with financing repayments.
Failed debits or adverse credit history: Your bank account is reviewed for failed debits due to insufficient funds or adverse credit history. Please be mindful of the amount of funds available in your linked bank account to avoid failed debits.

Looking for another financing offer?

All SAPI accounts – including accounts with an active loan – are reviewed for eligibility on a daily basis. If your business is currently repaying a loan, you may become eligible for another offer. You do not need to contact us or provide any additional information to become eligible for a subsequent financing offer. Simply keep doing business as usual.

Timeframe

We can’t predict when your business will be eligible for another financing offer, and offers are not guaranteed. SAPI financing will automatically reevaluate your business’s offer eligibility, but there is no magic number for when another offer will be available. Remember each business is different and all accounts/locations are reviewed independently. Each financing offer is specific to the business and account evaluated for the offer.

financing offer details, as well as the timing of eligibility, may differ from your current financing through SAPI, as each financing offer is unique and evaluated separately. Additionally, we are unable to manually create offers. You will need to have an offer already available on your SAPI Dashboard to apply for a financing through SAPI Payment-linked Advances.

Financing Offer Notification

If your business is eligible for another financing offer through SAPI, you’ll be notified by email and your financing offer will appear. Remember to check your SAPI Dashboard or communicate with us about renewals and offers!

Will I be eligible for a new financing if I pay off my current financing through SAPI early?

Making an extra payment or paying off your financing early will definitely increase your chances of getting another financing offer through SAPI. Learn more about early repayment by contacting us.

Disclaimer Statement

All payment-linked financing is issued by SAPI Origination Limited, Registered in England and Wales, company number 15934839, FCA Annex 1 Firm Reference Number: 1023196, ICO Registration: ZB917929.

Valid bank account and Open Banking Connection is required. Actual fixed fee depends upon payment card processing, credit history, financing amount and other eligibility factors. A minimum payment of one-twelfth (1/12)th of the initial financing balance is required every month and full financing repayment is required within 12 months. financing eligibility is not guaranteed. Eligibility criteria include consistent and continuous payment card processing. All financing is subject to credit approval. Terms and conditions apply.

Important information about Payment Linked Advance

Business customers only. A Payment Linked Advance is a purchase of future receivables from your business revenue. It is not a loan, it is not regulated consumer credit, and it is not for personal use. Funding is subject to status, affordability and underwriting, and guarantees will be required.

Regulatory and protections
SAPI Group Limited and SAPI Origination Limited are not authorised or regulated by the Financial Conduct Authority for consumer credit or other regulated activities. The Financial Ombudsman Service may not be able to consider complaints, and arrangements are not covered by the Financial Services Compensation Scheme. Separately, both entities are registered with the Financial Conduct Authority as Annex I firms under the Money Laundering Regulations 2017 for AML supervision, reflecting our commitment to robust financial crime prevention standards.

Introducers and partners
Introducers and partners that introduce a merchant to SAPI will receive an introduction commission from SAPI.

Independent advice
Merchants should seek independent financial and legal advice if unsure about any terms or obligations.

Can’t find your questions?

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