SAPI Payment-Linked Financing

SAPI Group Limited is a London-based provider of payment-linked business funding, with offices in Hanoi and London and a recently established fintech entity in Vietnam, per its funding announcement. It addresses the gap in access to credit for small merchants by letting payment providers and platforms offer financing to their own customers.

Partners embed offers, funding and collections through a single REST API, a no-code branded link or a partner portal, and SAPI supplies the capital and handles underwriting, funding and collections. Repayments are taken automatically as a share of daily card sales. Named partners include Acquired.com, emerchantpay, Paymentsave, KodyPay and Yetipay.

• Single REST API: embeds financing offers, funding and collections in one integration, with sandbox and documentation.
• No-code link: a custom branded link to share with merchants.
• Partner portal: submit merchant applications and track status on a real-time dashboard.
• Repayment at source: a fixed percentage of daily sales is withheld and the net amount settles to the partner account.
• Full-cycle management: SAPI supplies capital and handles underwriting, funding and collections.
• Dedicated integration engineer for each partner.

A Vietnamese payment acquirer or e-wallet offering working-capital advances to merchants repaid from card or QR sales. A marketplace financing its sellers from sales flows. A POS provider adding a financing offer for small retailers and restaurants.

Partners earn a fixed commission per successful introduction without carrying credit risk. Partners can go live in under 24 hours with the portal and no-code link. Merchants apply in about five minutes and receive an offer within 24 hours. The site reports that 82% of customers return for more financing.

Embedded finance is moving lending into payment flows so small merchants get credit where they already transact. In Vietnam and Southeast Asia, payment acquirers, e-wallets and marketplaces serving micro and small merchants could use the same partner model, and SAPI has opened a Hanoi office and a Vietnamese entity.

Raised $80M in November 2025 (about $75M debt, $5M equity) led by Hudson Cove with Triple A Capital and Passion Capital. Co-founders Mai Le and Alexis van Lennep. UK company number 12014174; the site states it is not FCA-authorised, with payments by Modulr FS Limited.