SAPI: products, terms and eligibility

SAPI is a UK provider of revenue-based finance. The legal entity named on its site is SAPI Group Limited, company number 12014174. It is based in London. Companies House shows the company was incorporated 2019.

SAPI Group Limited was incorporated in 2019 (company number 12014174) and is based in London. It says it also has an office in Hanoi and serves businesses in the US, UK and EU. It offers its advances directly and through payment providers, marketplaces, introducers, brokers and other partners. It says it is not authorised or regulated by the FCA.

In its own words on scale:

• Says it has advanced more than £50m to small businesses (figure on its site in October 2026).

Everything on this page comes from what SAPI publishes itself. We show the date we last checked it, and we do not rate or rank lenders.

SAPI publishes one product for UK businesses. The table above gives the amounts and terms as it states them.

• Payment-linked advance: Fixed percentage of sales taken at source until the advance plus a one-time fixed fee is repaid; minimum monthly payment of one-twelfth of the advance if sales are low.

Payment-linked advance

SAPI provides an agreed amount upfront which is repaid at source as a fixed percentage of sales or card takings, until the advance plus a one-time fixed fee is repaid. Advances of £10,000 to £500,000 are published for UK companies, with larger amounts by exception. If sales are low, a minimum monthly payment of one-twelfth of the advance applies. It says there is no interest and no early repayment fee, and repaying early ends the agreement.

SAPI says its finance is used for:

• Working capital for businesses with card or platform sales
• Financing for merchants of payment providers and marketplaces

Sectors and business types it says it funds:

• Businesses selling through card payments, payment providers and marketplaces

What it says it does not fund:

• Companies not incorporated in the UK (for the general UK advance)
• Applicants with high chargeback history
• Businesses with multiple outstanding advances from other providers

SAPI publishes these criteria. Meeting them does not mean an application will be accepted: every lender makes its own decision.

• Company incorporated in the United Kingdom.
• At least 12 months trading, verified at Companies House.
• At least £10,000 revenue on the main platform in the last quarter.
• Director giving the personal guarantee lives in the same country as the company.
• Settlement bank account in the same country as incorporation.
• Checks trading data, open banking, business and director credit data and existing commitments.

SAPI describes its process like this:

1. Check eligibility factors such as processing volume and payment frequency.
2. Apply online through SAPI or a partner.
3. SAPI reviews trading data, open banking data, and business and director credit data.
4. If approved, you are notified by email and dashboard.

Information it says it asks for:

• Basic company information
• ID and proof of address
• Open banking permission
• Proof of residency if electronic verification fails

Every application is subject to status and the lender’s own criteria at the time.

Revenue-based finance, which includes merchant cash advances, is an advance repaid as an agreed share of your sales, so repayments rise and fall with takings. The cost is usually a fixed amount agreed at the start, not interest that builds over time, which means repaying sooner does not normally reduce it.

Providers look mainly at your card or online sales history. It tends to suit businesses with steady card takings, such as hospitality venues and retailers.

Points SAPI publishes that are worth knowing:

• At least one director personal guarantee is required; more than one may be requested.
• Says there is no interest and no early repayment fee; paying early ends the agreement.
• Not authorised or regulated by the FCA, per its own footer.

Security and guarantees

At least one personal guarantee from a director is required; more may be requested for multiple owners. The guaranteeing director must live in the same country as the company. Early repayment ends the agreement with no early repayment charge.

SAPI’s site states: “SAPI Group Limited is not authorised or regulated by the Financial Conduct Authority.”

Protections differ by borrower type and loan size. Most lending to limited companies is not regulated consumer credit, so read the agreement and ask the lender what applies to you.

Other providers of revenue-based finance with profiles here include Wayflyer, YouLend and Liberis. Each profile uses that lender’s own published terms.

The full list, grouped by product type, is in our directory of UK business lenders.

Capzy is a credit broker, not a lender, and gets paid by the lender. One application lets your business compare options across lenders, so you can weigh this kind of facility against the alternatives. You can check your funding options with a soft search that does not affect your credit score. A full application to a lender may involve a hard search, and any offer is subject to status and lender criteria.