SAPI

SAPI is a London and Hanoi-based payment-linked financing platform founded in 2020 to tackle one of the most persistent problems in small business finance: the inability of immigrant-owned, woman-owned and micro businesses to access credit at the moments that matter most. Traditional lenders rely on paperwork-heavy processes and credit histories that systematically disadvantage the entrepreneurs who need capital most urgently.

SAPI's solution embeds lending directly into existing payment flows, allowing payment service providers, marketplaces and fintech platforms to offer their merchant customers financing that repays automatically as revenue comes in. The repayment-at-source model aligns loan collections with business trading cycles, removing administrative burden and reducing default risk. Partners integrate SAPI's infrastructure without becoming banks themselves, earning a revenue share while deepening relationships with their merchant base.

SAPI has advanced more than $40 million to small businesses, 90% of which are immigrant or woman-owned. The company raised £7.5 million in equity funding in 2024 backed by Passion Capital and angel investors including founders from Monzo, Lendable and TrueLayer, followed by a $80 million debt and equity package in 2025 led by Hudson Cove Capital Management. SAPI has recently established a financial technology entity in Vietnam to accelerate its Asia-Pacific expansion.