SAPI stands for Securities API

Our work embodies that: providing a comprehensive API solution that empowers companies to offer diverse business credit products to their small business clients, fostering growth and financial flexibility.

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Provide liquidity and funding to businesses via platforms they trust

Credit is the lifeblood of business growth, but lending as an embedded tool is underdeveloped and under-utilised. Lack of lending expertise, regulatory complexity, complicated financial system, and shortage of capital are factors constraining the credit growth of the platform economy. SAPI is there to remove the barrier to business financing. We  provide liquidity, enable new ideas to be funded, expedite growth for existing companies, and increase the overall output of their ecosystem.

Enable any company to be a Fintech company

We envision the future where every company could be and will be a Fintech company. In particular, every platform could fuel the growth of its ecosystem with embedded credit, using our infrastructure layer. We give platforms the tools to grant and service loans to their small business clients. By providing external financing into established partner’s ecosystem, we help more platforms facilitate their small business clients’ growth, and in turn, grow their own ecosystem.

Be a true partner to our business clients and platform partners

We operate on strict principles of being original, useful, sincere, open and honest to all stakeholders involved. SAPI quietly makes sure everything works well in the background, so our platform partners can shine. If it involves building infrastructure to lend to businesses, we’re here to help!

Our mission is to drive the growth of small businesses worldwide

We aim to empower them with financial solutions tailored to their unique needs. We believe in fostering a thriving ecosystem where small business owners can flourish, contribute to economic development, and achieve their fullest potential.

Our core values

Our core values at SAPI guide everything we do. With grit, ambition, integrity, and empathy, we empower small businesses, overcoming challenges, setting high aspirations, upholding honesty, and understanding their unique struggles. These values create a strong foundation for us to make a meaningful impact in the small business ecosystem.


We embody resilience and determination in overcoming challenges, embracing the grit required to drive success for ourselves and the businesses we serve.


We uphold the highest standards of honesty and transparency in all our interactions. Trust is the foundation of our relationships, and we operate with unwavering integrity in every aspect of our business.


We set high aspirations for ourselves, our partners, and merchant, continually pushing boundaries to unlock new opportunities for growth and innovation.


We understand the unique struggles and triumphs of small businesses. Through empathetic understanding, we provide solutions that not only meet financial needs but also contribute to the overall well-being of our clients.

Our guiding principles

At SAPI, our guiding principles are the compass directing our actions and shaping our culture. We believe in thinking big, challenging the status quo, and embracing transformative ideas for small businesses. As owners, we take accountability and actively contribute to the company’s success. We encourage open communication, empowering every team member to express themselves respectfully, acknowledging diverse perspectives. Honesty and transparency are core to our interactions, fostering growth through learning from mistakes. These principles define us, propelling us to create a meaningful impact in the small business ecosystem.

Dare to Think Big
  • Challenge the status quo and embrace bold ideas that have the potential to make a significant impact on small businesses.
  • Encourage creativity and innovation, always striving to exceed expectations and drive positive change.
Be an Owner
  • Take ownership of your responsibilities and be accountable for your actions.
  • Actively contribute to the success of the company by thinking and acting like a stakeholder, ensuring that your efforts align with our mission and values.
Speak Your Mind with Kindness
  • Foster a culture of open communication, where every team member feels empowered to express their thoughts and ideas.
  • Communicate with respect and kindness, understanding that diverse perspectives enrich our collective strength.

We Start by Being Honest
  • Uphold a culture of honesty and transparency in all interactions, both within the team and with our clients.
  • Acknowledge mistakes promptly and use them as opportunities for growth and improvement.

Our leadership

Mai Le

CEO and Co-founder

Alexis van Lennep

CCO and Co-founder

Michal Kot

CTO and Co-founder

SAPI Head of Risk, Andy Wynn

Ana King

Head of People & Talent

SAPI Head of Risk, Andy Wynn

Jermaine Hagan

Head of Product

SAPI Head of Risk, Andy Wynn

Andy Wynn

Head of Risk

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Build the future of embedded credit

Help create the lending infrastructure for businesses worldwide.

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Check out all legal agreements, disclaimers and other detailed fine print about us.

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