SME Financing as a Service

Embedded financing for your business customers 

We build, tailor, fund and manage your custom financing products, offering on-platform white-label funding to your business customers.

Happy SAPI team member, representing the friendly and approachable nature of SAPI


Reduction in merchant’s churn rate


Increase in annual recurring revenue


Increase in merchant sales


Increased user engagement level*


Attracted or acquired new users*

(*) The % of companies that said “very successful” or “successful” among global companies with current embedded finance offerings.

Create your custom white-label business financing products

We absorb all the complexity, management, compliance, technology and financial risks, so you can earn a new revenue stream while growing your ecosystem risk-free.

Grow with your business customers, risk-free

Increase your top line

Grow your ecosystem by growing the business customers on your platform using external capital.

Attract and retain business customers

Be more attractive to business customers than your competitors. Solidify your long-term relationships and help them grow.

New revenue stream

Unlock a new revenue stream by taking a proportional profit share on every loan.

We do all the heavy lifting for you

We build your loan program, tailor it, fund it, maintain it. Sit back and watch new revenue rolling in.

Enjoyable experience

Fully embedded, white-label product. Fast, fair and easy application. Attractive financing.

Easy integration

We work with your existing infrastructure to generate offers, disburse funds, and collect repayment.

Absolutely risk-free

You are completely shielded from all risks. No financial or regulatory risks. Focus on your core business and let us handle the lending complexity.

Smart underwriting

We specialise in understanding complex borrowers. Attractive, fast financing based on sales, not credit scores.

Instant access to capital

One-click access to financing from £500 to £100K. We provide the capital that scales with you and your ecosystem.

Built with you in mind

Our product is easy to understand and quick to deploy, specifically designed for payment companies, marketplaces and merchant system providers.

Be up and running in no time

Want to quickly test if on-platform financing is for you? Start with a simple no-code pilot which can take as little as 1 week to be live.