1
No-code link
Share a branded application link with your merchants. Nothing to build; you see every application in the partner portal. Live in a day.
For developers
One API for embedded financing
Generate offers, disburse funds and collect repayments at source through a single REST integration. Built for payment platforms, marketplaces and the software businesses already use.
Read more about our technology.
POST /v1/offers
{
"merchant_id": "mer_8f3k2",
"requested_amount": 50000,
"currency": "GBP"
}
200 OK
{
"offer_id": "off_1q9z7",
"advance": 50000,
"fixed_fee": 8500,
"repayment_percentage": 0.15,
"status": "offered"
}Illustrative request and response. Field names may differ in the live API.
The full financing lifecycle, one integration
Everything your merchants need to apply, get funded and repay runs through the same API, so you integrate once and never touch the money.
Eligibility and offers
Send a merchant's identifiers and trading data, or let us pull it through open banking, and receive an eligibility decision and a priced offer. No credit-score impact at this step.
Application and verification
Collect the merchant's details in your own interface or hand off to our hosted journey. Identity, company and bank verification run on our side.
Disbursement
Accepted offers are signed electronically and funded to the merchant's account, normally within 24 hours of verification.
Repayment collection
Repayments are split from the merchant's settlements or collected by Direct Debit. You receive the events; we handle the collection, servicing and reconciliation.
Three ways to integrate
2
Hosted journey
Embed our application flow in your product with a single redirect or iframe, pre-filled with the merchant data you already hold. Your brand, our underwriting.
3
Full API
Build the whole experience in your own interface: eligibility, offer display, acceptance and status updates, all through the REST API with webhooks for every state change.
Most partners start with the link or the hosted journey and move to the full API once volumes justify it. All three share the same portal, reporting and commission terms.
Built for production
Predictable resource-based endpoints, JSON request and response bodies, ISO 8601 dates, amounts in minor units. If you have integrated a payments API, this will feel familiar.
Offer made, offer accepted, funds sent, repayment received, agreement completed: each is an event you can subscribe to, signed so you can verify the source.
A sandbox environment with test merchants lets you build and certify your integration before any real money moves.
HTTPS only, token-based authentication, scoped API keys per environment, and UK GDPR data handling. Merchant data stays within the agreed purpose of financing.
A named integration contact, a shared channel during build, and documentation with guides and a full API reference.
REPAYMENT FLOW
LIVE- Card payment receivedCustomer pays: £120.00£120.00
- SAPI repayment10% withheld at source-£12.00
- Net to your accountSettled same day£108.00
Remaining balance£3,840/£5,000
Who builds on SAPI
Payment service providers
Marketplaces and SaaS platforms
Ticketing and booking platforms
Brokers and funding marketplaces
Learn more about our partner programme.
Trusted by
Request API access
The API is available to partners by request while we scale it. Tell us about your platform and we will come back within two working days with documentation, sandbox credentials and a suggested integration route.
Developer questions
Documentation, the API reference and sandbox credentials are shared when we approve an access request. We are working towards a public developer centre; until then, request access above and you will have everything within two working days.
No. Disbursement and repayment collection run through SAPI and our regulated payment partners. Your integration passes data and receives events; funds never touch your systems.
The United Kingdom and a growing list of European countries, with settlement in GBP, EUR and six other currencies. See the global coverage page for the current list, or ask us about a market that is not yet on it.
The same as for every SAPI partner: a fixed commission on each successful introduction, agreed upfront and reported in the partner portal. Integration route does not change the economics.
The no-code link takes a day. A hosted-journey integration is typically one to two weeks. A full API build depends on your scope; partners usually certify in the sandbox within four to six weeks.
Ready to build?
Request access and we will get you into the sandbox this week.