Seamless credit. Empowering payments. Enabling growth.
In today’s fast-moving payments landscape, businesses need flexible financing to stay competitive. Whether you’re a payment provider, marketplace, or fintech, offering the right credit solutions can help you strengthen relationships with your business clients, optimize cash flow, and drive payment volume and sustainable growth.
SAPI partners with payment companies to develop embedded financing solutions that work seamlessly within your ecosystem. Our products are designed to provide businesses with fast, accessible funding—helping them grow without the constraints of rigid, traditional financing structures.
Our Financing Solutions
We design and fund credit products that help businesses access working capital quickly and flexibly. Whether you’re managing settlement delays, supporting merchants with financing, or looking to offer new credit solutions, we have the right tools for you.
Merchant Advance
Unlock upfront funding by leveraging future sales. Businesses receive capital today and repay as a percentage of future revenue—aligning repayments with cash flow, rather than fixed monthly obligations.
Ideal for businesses needing quick access to working capital.
No fixed repayment schedule—pay as you earn.
Helps merchants invest in growth without taking on traditional debt.
Instant Payout
Give businesses immediate access to their funds rather than waiting for standard settlement times. Faster access to working capital enables smoother operations and better cash flow management.
Accelerates fund availability for businesses processing high transaction volumes.
Enhances merchant retention and loyalty.
Helps platforms differentiate their payment services.
Settlement Pre-Funding
Bridge settlement gaps by accessing funds before payments are fully processed. This helps payment companies and platforms ensure smooth cash flow without operational disruptions.
Supports businesses affected by delayed settlements.
Reduces cash flow constraints for PSPs, PayFacs, and marketplaces.
Ensures uninterrupted business operations.
Payment-Linked Financing
Offer businesses flexible credit solutions that are directly tied to their payment flows. This makes financing more accessible while reducing risk for lenders.
Enables businesses to borrow based on their transaction history.
Provides structured, low-friction access to working capital.
Strengthens the financial ecosystem by embedding credit directly into payments.
Who We Work With
We collaborate with a wide range of payment companies and platforms to integrate financing into their ecosystems—helping them support their business clients more effectively.
Commercial Brokers
Enable their business clients to access flexible financing that supports their growth and operational needs.
Payment Service Providers (PSPs) & Payment Facilitators (PayFacs)
Enhance your offering with faster access to funds, improved cash flow management, and embedded financing solutions that drive revenue.
Independent Sales Organisations (ISOs)
Expand your service offering by providing credit products that generate new revenue streams and deepen client relationships.
Independent Software Vendors (ISVs)
Integrate financing directly into your platform, making it easier for clients to access funding while increasing retention and engagement.
Marketplaces
Empower sellers with embedded financing and instant payouts—ensuring they can operate smoothly and scale their businesses with confidence.
Unlock Growth with SAPI
Strengthen your payments ecosystem by embedding smarter financing solutions. Work with SAPI to offer business-friendly credit products that drive growth, improve cash flow, and create long-term value for your partners and customers.
Get in touch today to explore how we can help.
