Grow exponentially with your sellers by extending financing

Unlock a new recurring revenue stream that scales exponentially

Better attract, retain, and grow your merchant base

No capital required, no risks and no financial liability

What we do

Help grow your merchants and your ecosystem using external financing

SAPI operates in a true, equal partnership with you. We absorb all complexity, compliance management, and financial risk of lending, so you can earn a new, risk-free revenue stream and grow your ecosystem.

Why should you offer embedded credit?

In big and small ways, we make lending easy and profitable for everyone involved.

Platform experience

N

New source of exponentially growing ARR.

N

Lower merchants' churn with an ongoing, trust-based relationship.

N

No risk exposure, no capital, licence or compliance requirement hassle.

Merchant experience

N

More attractive, tailored loan terms.

N

No lengthy application.

N

Fast funding, within 12 hours.

N

Automated, effortless repayment.

50%

Reduction in merchant’s churn rate

30%

Increase in annual recurring revenue

35%

Increase in merchant sales

87%

Increased user engagement level*

85%

Attracted or acquired new users*

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

Types of financing we offer

All product specifications are tailored to your needs and your merchants demands

REVENUE-BASED FINANCING

Merchant Advance

Blazingly Fast merchant Payout

Instant Payout

Build your own custom loan program

N

We help to financial engineer any credit product tailored to your merchants' needs.

N

We build it, fund it, and maintain it. We do all the heavy lifting so you can focus on your customers and your core business.

Level of integration

Pick the level of prefered integrations, we’ll take care of the rest.

Out-of-the-box, No-code solution

N

Link to our stand-alone lending interface.

N

White labelled solution, make it your own with your branding and customise its looks.

N

No-code integration. Earn additional revenue with no hassle.

N

On average, the implementation takes 7 days.

Fully-embedded, API integration solution

N

Embed business financing into your platform using our API.

N

Directly control the entire lending experience.

N

Completely white labelled with a high level of customisation and tailor-made user interface to your brand.

N

On average, the implementation takes 1 month.

Types of partners we work with

Give your merchants instant access to working capital, within your platform.

 

loan-for-payment-service-providers

Payment Service Providers

loan-for-marketplaces

Marketplaces

loan-for-shop-system-providers

Merchant System Providers

loans-for-fintech-and-neobanks

FinTechs & Neobanks

Get ahead of your competition

Work with us today to outrun your competitors.

84%

of companies*

believe that offering merchant financing are critical to their future success or rank among their top strategic priorities.

47%

of companies*

said that their companies are investing in and plan to launch embedded finance offerings in the near future.

(*) 1,000 companies surveyed globally.