Offer payment‑linked financing to your business customers
Add a capital product your customers will value. Repayment is taken at source from their takings, with clear terms and dedicated servicing from SAPI. You get new revenue, better retention and a sharper proposition.
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Who this is for
Built for modern distribution partners
We work with Payment Service Providers, Marketplaces, Introducers and Brokers, Vendors and providers to businesses, and FinTechs and neobanks. If you have business customers who take digital payments, you can offer them funding that runs on those payments, powered by us.
Clear, commercial wins for your business
New revenue from a product customers ask for.
Higher retention and engagement as funded customers grow with you.
Acquisition and win‑back of segments that value fair, flexible funding.
Differentiation in a crowded payments and platform market.
Customer experience that reflects well on you - simple pricing, no hidden fees.
Low operational lift - SAPI handles underwriting, funding, servicing and collections at source.
Co‑marketing and enablement - launch toolkits, FAQs, and training so your teams can move fast.
Our Products
Supporting Payment Ecosystem, Empowering Businesses
Payment-linked Advance
Enables businesses to access upfront funding by selling a portion of their future payment receivables, providing flexible, revenue-linked repayments at speed.
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.
What your customers experience
Payment-linked Funding that tracks sales, repaid at source
Your customers receive an agreed amount upfront, then repay as a small, pre‑agreed share of daily sales collected directly from their payment flow. Repayments flex with trading – lower in quieter weeks, higher in busy periods. Documents are in plain English with no hidden fees.
Driven by People
Your partner in empowering growth
At SAPI, we’re a team of curious, smart, and kind individuals united by our passion for payments and a commitment to helping others. We believe small, underserved businesses are the backbone of the economy, and by enabling them to thrive, we help grow the entire payment ecosystem. Payments are more than transactions— they drive progress and fuel global growth. That’s why we’ve built SAPI: to simplify credit, support payments, and put people at the heart of our partnership. Your success is our mission.
How partnership works
Fit and design
We align on segments, journeys, commercial sharing and success metrics.
Light integration options to Go Live
From referral only to data‑enabled journeys, we agree on the fastest go-to-market route. (API optional.)
Improve and scale
SAPI operates underwriting, funding, repayment‑at‑source collections and servicing, with shared reporting and revenue with partners.
Why Choose SAPI
Innovative credit solutions, powered by technology and people
Repayment at source
Collections through existing payment rails help with a disciplined operation and reduce admin for everyone.
Customer‑friendly terms
Clear fixed pricing, no hidden fees, early repayment available.
Inclusion with intent
90% of our loan book supports immigrant and woman‑owned businesses.
Scalable, global footprint
Hybrid teams in London and Hanoi supporting partners across the US, UK and EU markets.
£50m+
Advanced to date
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.
Ready to explore a partnership?
Let us show you how payment‑linked financing can drive revenue and retention for your business customers with a simple launch plan.