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SAPI logo — Liquidity-as-a-Service and Credit Infrastructure for Payment...

SAPI

Liquidity-as-a-Service and Credit Infrastructure for Payment Companies

Founded 2020 United Kingdom London, United Kingdom 247 employees Venture round Total: $7.50M Finance, Financial Services +3

General Information

Company Name SAPI
Founded Year 2020
Location United Kingdom London, United Kingdom
Founders / Decision Makers
Team member
Employees 247
Industries Finance, Financial Services, Fintech +2
Funding Stage Venture round
Business Model B2B, Embedded Finance, SaaS
Revenue Model Usage Based, Service Fee, Performance Based
Offices as of Sep 2026
‏London‏، ‏England‏ ‏E2 8JF‏، ‏GB‏, ‏London‏، ‏England‏ ‏E2 8JF‏، ‏GB‏
Social

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About SAPI

SAPI, founded in 2020, is a UK-based fintech company positioned as a transformative player in the global payment ecosystem. The company operates within the Finance, Financial Services, Fintech, Platforms, and Embedded Systems industries. Its innovative Liquidity-as-a-Service and Credit Infrastructure model stands out by enabling payment companies to craft and manage custom credit products tailored to benefit their merchant clients.

Recently, SAPI secured a £7.50M Venture Round on 12 March 2024, underscoring investor confidence in its growth potential. The funding round was led by prominent investors such as Passion Capital and individuals like Niccolo Maisto, Martin Kissinger, Luca Martinetti, Will Neale, Raffaele Terrone, Lopo Champalimaud, Michele Attisani, Oscar Pierre, and Tom Blomfield. SAPI's commitment to enhancing liquidity for payment companies positions it as a strategic asset within the fintech sector.

Business keywords: Liquidity-as-a-Service, Credit Infrastructure, Embedded Credit Solution, Custom Credit Products, End-to-end Lending Program, Merchant Financing, Payment Ecosystem, Global Payment Solutions, Flexible Financing, SME Growth, Merchant Cash Advance, Instant Payout

Services & Products

payment-linked financing
instant payout
settlement pre-funding
custom payment liquidity

Target Customers

small businesses immigrant-owned businesses woman-owned businesses payment service providers marketplaces introducers business platforms fintech companies neobanks

Funding Rounds & Investors (5)

View All
Funding Stage Amount Investors Lead Investors Date
Venture Round £7.50M 10
Passion Capital
Passion Capital, Niccolo Maisto +8
12 Mar 2024
Funding Round Undisclosed -
21 Aug 2023
Funding Round Undisclosed 10
Passion Capital T0 Ventures
Passion Capital, T0 Ventures +8
28 Mar 2023
Funding Round Undisclosed 9
Passion Capital Pareto Holdings
Passion Capital, Pareto Holdings +7
27 Jun 2022
Funding Round Undisclosed 10
Syndicate One
Syndicate One, Will Neale +8
28 Mar 2022

Latest News

View All
Syndicate One closes €22M second fund to back Belgian tech founders — Tech
Syndicate One closes €22M second fund to back Belgian tech founders
Tech Feb 23, 2026
Backing Belgium’s best: Brussels-based Syndicate One concludes €22 million first close of second fun... — Eu-startups
Backing Belgium’s best: Brussels-based Syndicate One concludes €22 million first close of second fund
Eu-startups Feb 23, 2026

SAPI Alternatives & Competitors

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SAPI vs
Liberis
Liberis United Kingdom

Embedded Finance. Built together. Designed for Growth.

332 employees
Financial Services, Fintech
Compare SAPI vs Liberis
SAPI vs
Dinie
Dinie Brazil

Embedded lending infrastructure for platforms.

19 employees
Financial Services, Fintech
Compare SAPI vs Dinie
SAPI vs
iwoca
iwoca United Kingdom

At iwoca, we believe finance should feel like a superpower, not a headache.

Debt Financing
622 employees
Finance, Financial Services
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FAQ About SAPI

Liquidity-as-a-Service and Credit Infrastructure for Payment Companies
SAPI was founded in 2020.
SAPI is headquartered in London, United Kingdom. As of Sep 2026, it also has offices in ‏London‏، ‏England‏ ‏E2 8JF‏، ‏GB‏, ‏London‏، ‏England‏ ‏E2 8JF‏، ‏GB‏.
SAPI operates in Finance, Financial Services, Fintech, Platforms and Embedded Systems. Its work centres on Liquidity-as-a-Service, Credit Infrastructure, Embedded Credit Solution and Custom Credit Products. Its customers include small businesses, immigrant-owned businesses and woman-owned businesses.
SAPI has a B2B, Embedded Finance and SaaS business model. Its revenue comes from Usage Based, Service Fee and Performance Based.
SAPI has approximately 247 employees.
SAPI has completed 5 funding rounds, raising a total of $7.50M. The latest funding stage is Venture round.
SAPI offers: payment-linked financing, instant payout, settlement pre-funding, custom payment liquidity.
Top alternatives and competitors to SAPI include Liberis, Dinie, iwoca, Uncapped, Solfy. These companies operate in related industries and serve comparable markets. You can compare them side by side on Bounce Watch.
SAPI and Liberis are both companies in similar industries. Compare their funding, team size, growth signals, and market position on Bounce Watch to see which one fits your needs.

Source: BounceWatch company record for SAPI, https://bouncewatch.com/company/sapi, updated 26 September 2026. When citing, please name BounceWatch and link this page.

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