SAPI

About SAPI

SAPI, short for Securities API, is a London-based fintech company founded in 2019. They specialise in merchant cash advances (MCAs), delivered exclusively through a network of partners.

Working with marketplaces, commercial brokers, and payment providers, SAPI enables partners to offer tailored cash advance solutions to their merchant clients under their own brand. Their robust API platform ensures fast, flexible funding while providing a seamless, scalable experience for both merchants and partners.

By focusing on partner-driven lending, SAPI makes it easy for businesses to access the cash they need without the complexity of traditional financing.

Key Milestones

• In March 2024, SAPI secured £7.5M investment to expand small business lending in the UK.
• SAPI was a Go:Tech Awards finalist in the Tech Start-Up Business Award category in 2024
• CEO Mai Le nominated for Women in Finance "Entrepreneur of the Year" in 2023

SAPI Merchant Cash Advance – At a Glance

SAPI offers merchant cash advances from £10,000 to over £500,000, providing fast and flexible funding for businesses. Repayments are automatically deducted as a fixed percentage of daily card sales, meaning they adjust with your cash flow and business performance.

The application process is simple, with minimal paperwork and no collateral required. Approval is typically within 24 hours, and funds can be accessed in as little as 48 hours. There are no interest charges—just a clear, one-off fixed fee agreed upfront.

SAPI MCAs are ideal for managing cash flow, investing in growth, or purchasing inventory, offering a hassle-free alternative to traditional loans.

Eligibility Criteria

To qualify for a SAPI Merchant Cash Advance, your business must:

• Be based in the UK
• Operate as a limited company