Grit
We push through the messy bits with courage, creativity, and a smile because giving up is simply not our style.
Over £50 million lent to small businesses
We fund businesses based on their card income
Get funding
Applying won't affect your credit score
75%
Complete
£5,000
Remaining
Repayments that align with your sales
Featured on
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.
We have helped thousands of business owners, with 59 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.
What we do
Payment-linked financing is funding where a merchant gets funding based on their card income and gets repaid via the card income. We do account to account repayments, this means that once the merchant receives the funds, their card income will be split automatically to seamlessly repay.
Repayment flow
Card payment received
£420.00
SAPI repayment
£63.00
Net to your account
£357.00
Automatic split: 15% to SAPI, 85% to the merchant.
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.
Repayments that align with sales
Funding Status
SAPI Advance Available: £75,000
AvailableReady to deploy
75% Complete
Our 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
At SAPI, our core values of grit, ambition, empathy, and integrity drive everything we do.
Ambition
We aim high, stay hungry, and choose bold moves that take us further than we thought possible.
Integrity
We do the right thing even when no one is looking because our word actually means something.
Empathy
We listen, care, and connect because people always come first and kindness is never optional.
What we are up to
Visit our LinkedIn page for the latest company news, partnerships and updates from our team. Follow us to stay up to date.
We are precise, inventive and pragmatic.
If that sounds like you, explore open roles in London and Hanoi.
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Fine print
Simple, fair funding that runs on payments
Get an agreed amount upfront and repay from your takings. Clear pricing, no hidden fees.
Apply now
Applying won't affect your credit score
- No impact on credit score
- No obligation to accept
- Under 5 minutes