SAPI

London, UK · ≈250 employees · sapi.com

SAPI, or Sapi Group Limited, is a London-based fintech company founded in 2020 by Mai Le and Alexis van Lennep. The company specializes in payment-linked financing and custom credit products for the global payments ecosystem. SAPI designs and powers API-based financing solutions that enable payment companies, marketplaces, and digital platforms to offer short-term business credit to their merchants, with repayments automatically deducted from revenue or card takings. SAPI operates as a loan-product-as-a-service platform, providing tailored financing solutions that support business growth and enhance payment volume for its partners. Key offerings include Merchant Advance, Instant Payout, Settlement Pre-funding, and an Embedded Finance Platform. The company focuses on serving payment companies, digital platforms, neobanks, and marketplaces, particularly targeting underserved small businesses, including immigrant-owned and woman-owned enterprises. SAPI's innovative approach helps partners engage and retain merchants while generating new revenue streams.