Who We Are
Founded in 2020 by Mai Le and Alexis van Lennep, SAPI is a fintech company dedicated to building innovative credit products for the global payments ecosystem. We partner with payment companies to create tailored financing solutions that support business growth and grow the payment volume.
Backed by experienced investors, we combine deep expertise in credit, payments, and capital markets to help businesses access the working capital they need—when they need it.
Our Mission
We empower the global payment ecosystem by building tailored credit products and enabling access to smarter financing solutions.
By working with payment companies, we help businesses unlock capital tied to their payment flows—supporting growth, smoothing cash flow, and reducing financial friction.
What We Do
SAPI designs, funds, and powers financing solutions tailored for the payments industry and its business customers.
We help payment companies offer credit products such as:
Working-capital financing – short-term funding to help businesses manage cash flow and invest in growth.
Payment-linked financing – credit solutions tied directly to payment flows, reducing risk and improving accessibility.
Revenue-based financing – flexible funding that scales with a business’s income, offering repayments based on earnings rather than fixed schedules.
By embedding these solutions into payment platforms, we enable businesses to access funding effortlessly—without disrupting their operations.
Our name SAPI reflects our unique approach: blending Securities (credit engineering) with API (financial technology) to create seamless, scalable financing solutions.
How We Help
✔ Support payment companies in offering smarter credit products – Strengthen customer relationships by providing accessible, embedded financing solutions.
✔ Give businesses financial flexibility – Enable merchants and SMEs to smooth cash flow, invest in growth, and navigate challenges without taking on rigid debt.
✔ Optimise payment flows – Ensure funds move efficiently, reducing delays and improving business performance.
By working with SAPI, payment companies can enhance their offerings, improve customer retention, and drive new revenue streams—creating a more resilient and scalable financial ecosystem.
Our Values
At SAPI, we’re deeply committed to diversity, equity, and inclusion, fostering a work environment built on trust and respect. As a flexible employer, we uphold four core values that guide everything we do:
Ambition: Driving progress and growth
Empathy: Understanding the needs of our partners and clients
Integrity: Upholding honesty and transparency
Grit: Resilience and determination in tackling challenges
Partner with SAPI
Strengthen your payments ecosystem by supporting your business clients with SAPI’s credit products. Together, we can drive growth and success.
Legal Fine Print
Looking for legal details? Check out all legal agreements, disclaimers, and other important information about us.
