We operate where your business clients are
Offer payment-linked financing in countries where your business customers trade. Repayments are collected at source from their revenue and card takings. Global coverage with local clarity.
2 offices
built by teams in London and Hanoi, supporting global markets.
£50m+
advanced to small businesses
90%
are immigrant and woman‑owned businesses
82%
renewal rate or returning customers for repeat advance
Available countries
Availability may vary by partner’s regulatory status and programme’s specifics.
Belgium
Croatia
Czech Republic
Denmark
Ireland
Latvia
Lithuania
Netherlands
Norway
Poland
Slovakia
Slovenia
Spain
Sweden
United Kingdom
Available currencies
If you need another currency, speak to us. We expand coverage based on demand and partner readiness.
GBP - British Pound
USD - US Dollar
EUR - Euro
CZK - Czech Koruna
DKK - Danish Krone
NOK - Norwegian Krone
PLN - Polish Zloty
SEK - Swedish Krona
Your country and currency not listed?
We continuously open new markets with partners. Tell us what you need and we will map the path to launch.
A practical rollout model
We make expansion straightforward for partners
Start where you have demand
We agree the first wave of markets, customer segments and success metrics.
Offer a familiar experience
Documents in local languages with clear pricing, no hidden fees, and repayment at source through existing payment flows.
Operational support
SAPI handles local underwriting, servicing and collections, with shared reporting and regular reviews.
Scale in phases
Once a pilot proves itself, we widen distribution and add currencies as needed.
Why partners choose SAPI
Commercial outcomes across markets
New revenue from a capital product customers value.
Better retention as funded customers grow with you.
Low operational lift - SAPI runs underwriting, servicing and at-source collections.
Clear positioning that reflects well on your brand - fair terms, simple language.
Broader access for businesses banks often overlook, delivered through payments.
Ready to bring accessible funding to your business customers in new markets?
A short call is the quickest way to align on markets, currencies and timing.