Loans Eligibility FAQs

For eligible borrowers, SAPI Loans offers exclusive access to business loans to grow your business. You can check your business’s eligibility by going to the Loans tab of your online SAPI Dashboard and by keeping an eye on your email inbox.

Check your business’s eligibility for SAPI Loans through commonly asked questions below.

How do I check if I am eligible?

If you don’t see an offer in your SAPI Dashboard, your business isn’t currently eligible to apply for SAPI Loans. But keep in mind that SAPI accounts are reviewed for eligibility on a daily basis. Offer eligibility is based on a variety of factors related to your SAPI account, including payment processing volume, account history and payment frequency. The more you use SAPI, the more likely you are to become eligible for an offer through SAPI Loans.

What happens now?
Keep processing with SAPI – and consider the eligibility factors below as you process. There’s no need to contact us or request an eligibility review. The review is automatic, and we will let you know via your SAPI Dashboard and by email if you are eligible for an offer – saving you time so you can focus on your business.

Note: SAPI is unable to manually generate or predict offers; all business clients must qualify based on eligibility criteria.

How is eligibility determined?

There are many factors that may affect your eligibility, and accounts are evaluated as a whole. This means that meeting one or more eligibility factors doesn’t guarantee that you’ll be eligible for a loan offer – your business needs to satisfy all criteria to be eligible.
Your business’s SAPI processing volume is just one of many considerations used to determine eligibility.

Here are a few examples of the things that are considered when evaluating your business for an offer:

  • SAPI processing volume: In general, businesses that have processed at least £10,000 or more in a year are more likely to be eligible for an offer.
  • SAPI payment frequency: The frequency of card payments you process through SAPI matters. If you consistently take payments, you’re more likely to get noticed. To us, a steady pattern of taking payments shows that you have a healthy business.
  • Your customer mix: A good mix of new and returning customers shows us that you’re growing in different ways. You can use SAPI’s analytics tools to understand your customer base better.
  • A healthy, growing business: The size of your loan offer is generally shaped by how much you process through SAPI.
Why is my business not eligible for a loan right now?

While your business needs to satisfy the above criteria to be eligible for SAPI Loans, the below factors also impact eligibility:

  • Chargeback history: A chargeback happens when a customer disputes a charge from your business and contacts their bank to reverse it. You can reduce your chargeback risk by avoiding card not present (manually keyed) payments when your customer is in store. You can use a SAPI Reader to process contactless or chip cards in person and review our best practices for accepting card payments.
  • Multiple SAPI accounts: If you have multiple SAPI accounts or locations with outstanding loans through SAPI Loans, make sure that they are all processing consistently and are current with loan repayments.
  • Failed debits: Your SAPI account is reviewed for failed debits due to insufficient funds. Please be mindful of the amount of funds available in your linked bank account to avoid failed debits.
Looking for another loan offer?

All SAPI accounts – including accounts with an active loan – are reviewed for eligibility on a daily basis. If your business is currently repaying a loan, you may become eligible for another offer. You do not need to contact us or provide any additional information to become eligible for a subsequent loan offer. Simply keep doing business as usual.



We can’t predict when your business will be eligible for another loan offer, and offers are not guaranteed. SAPI Loans will automatically reevaluate your business’s offer eligibility, but there is no magic number for when another offer will be available. Remember each business is different and all accounts/locations are reviewed independently. Each loan offer is specific to the business and account evaluated for the offer.

Loan offer details, as well as the timing of eligibility, may differ from your current loan through SAPI, as each loan offer is unique and evaluated separately. Additionally, we are unable to manually create offers. You will need to have an offer already available on your SAPI Dashboard to apply for a loan through SAPI Loans.


Loan Offer Notification

If your business is eligible for another loan offer through SAPI, you’ll be notified by email and your loan offer will appear in the Loans tab of your online SAPI Dashboard. Remember to check your SAPI Dashboard – that is where we primarily communicate with you about offers!

Will I be eligible for a new loan if I pay off my current loan through SAPI early?

Making an extra payment or paying off your loan early will not not increase your chances of getting another loan offer through SAPI. Eligibility for another offer is not guaranteed, regardless of whether you prepay your current loan. Also, keep in mind that making a loan payment through the SAPI Dashboard will expire any existing loan offers. Learn more about early repayment via our Support Centre.

Loans Statement

All loans are issued by SAPI Group Limited. Companies House No. 12014174. Valid bank account is required. Actual fee depends upon payment card processing history, loan amount and other eligibility factors. A minimum payment of 1/18th of the initial loan balance is required every 60 days and full loan repayment is required within 18 months. Loan eligibility is not guaranteed. Eligibility criteria include consistent and continuous payment card processing. All loans are subject to credit approval. Terms and conditions apply.

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