Fast, fair and flexible Merchant Advance

Easy application, seamless user experience and attractive rates

Instant decision and fast funding

Effortless revenue-based repayments

How it works

Choose a financing offer

Offers are generated from the merchants’ sales history. Merchants choose the amount and provide basic business information.

Instant approval and fast funding

Over 80% of approval is instant. To receive funding, merchants verify themselves and their bank accounts. Once verified, the funding is disbursed within 2 hours.

Effortless and proportional payback

Automated repayment using a fixed percentage of sales from the Platform, flexible and proportional to their sales performance.

Why merchants love Merchant Advance

Easy application. Fast funding. Effortless payback.

Attractive, transparent pricing

Merchants know exactly how much it costs, with transparent one-off upfront fee and no ongoing interest.

Blazingly fast funding

Most applications take less than 10 mins, with over 90% approval rates. Instant decision for over 80% of cases and fund disbursements within 2 hours.

Effortless, flexible payback

Automated repayment via a percentage of sales without much effort from the merchant. Flexible payback as they pay more when business goes well, and less if things slow down.

What’s in it for you?

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

Revenue-sharing partnership

The partnership with SAPI provide an attractive revenue share % on all loans extended. Unlocking a new revenue stream and increase your ARR by up to 30%.

Outrun your competitors

Small businesses value fast and affordable access to financing. Stand out from the competition as a platform that’s their financial partner in times of need.

No risks and no costs

You won’t bear any financial liability for credit losses or regulatory burdens. No costs of integration and no tech risks as we work with your existing infrastructure.

Flexible implementation 

Our no-code solution enables you to go live in 7 days. The fully embedded, deeper integration takes 1 month. Both options offer complete white-labelled interface with seamless user experience.

7 days

No-code Implementation

1 month

Fully-embeded Implementation

Tremendous revenue potential from a true partnership

The relationship between SAPI and you is a true partnership. This is reflected in the fair economics of the revenue share between you and us.