DECTA, SAPI partner to bring payment-linked financing to UK SMEs. DECTA and SAPI Partner to Bring Payment-Linked Financing to UK SMEs London, UK - 23 September 2026 - DECTA, a global payment technology provider, has partnered with SAPI, the payment-linked financing provider, to give UK small and medium-sized enterprises (SMEs) rapid access to growth capital through a new product called DECTA Capital. UK SMEs generate more than half of the country's private sector turnover, yet rising costs and tighter lending criteria continue to lock many of them out of the flexible working capital they need to grow. Through the partnership, DECTA's merchants can access funding directly inside their existing payment experience, without the document-heavy, slow-moving processes traditional lenders require. Underwriting, servicing and compliance are all handled by SAPI. DECTA has long seen the potential of embedded finance to deliver real value to its customers. By integrating SAPI's capital products directly into the user experience, DECTA can offer merchants a more seamless, accessible and efficient route to funding alongside the payment services they already use. The offering is built to help SMEs unlock working capital without collateral or credit score hurdles, with offers typically available within 24 hours. Rather than a fixed monthly repayment, businesses repay as a small, pre-agreed share of their card sales, so a slower week means a smaller payment, and repayments stay aligned with how the business is actually trading. SAPI provides the payment-linked financing infrastructure that plugs directly into payment ecosystems, enabling partners like DECTA to offer capital products at scale without having to build underwriting, servicing or collections operations in-house. Scott Dawson, CEO at DECTA, said: "Access to capital remains one of the biggest barriers facing growing businesses, so it's imperative we do what we can to buck this trend. There's no reason they should be held back by traditional rules and constraints. Partnering with SAPI means we can offer our customers a faster, more flexible funding experience directly. This means they'll have one less thing to worry about and can instead focus on what matters for their business." Mai Le, CEO at SAPI, commented: "SMEs are the backbone of the UK economy, but too many - particularly first-time founders and immigrant- and woman-owned businesses - are still locked out of working capital when they need it most. Our payment-linked model removes that friction: businesses get an offer in around 24 hours and repay as they earn. Partnering with DECTA lets us put that capital directly into the hands of the merchants they already serve." About DECTA DECTA is a global payment technology provider offering comprehensive solutions across acquiring, issuing, processing, white label gateway and a digital banking platform. Serving merchants, banks, payment service providers and fintechs, DECTA delivers tailored payment services as a standard, ensuring accessibility and flexibility for every client. With offices across Europe - including Ireland, Cyprus, the UK, and Latvia - DECTA empowers businesses to scale and innovate in the evolving payments landscape. Its full-stack payments platform is built on Mastercard and Visa principal membership, certification with UnionPay International, and integration with a broad spectrum of global and local payment methods. Choose DECTA to unlock faster, reliable, and fully customisable payment solutions that grow with your business. About SAPI SAPI is a payment-linked financing provider that builds credit products for payment companies, marketplaces and other business platforms. Businesses receive an agreed amount upfront and repay at source as a small, pre-agreed share of their revenue or card takings - with clear, fixed pricing and no hidden fees. Founded in 2021 and headquartered in London with a second office in Hanoi, SAPI has advanced more than £50 million to small businesses across the UK, EU and US - 90% of which are immigrant- or woman-owned. The company recently raised $80 million in debt and equity financing to scale its payment-linked financing infrastructure globally. SAPI partners with payment service providers, marketplaces, introducers and fintechs to embed capital directly into the merchant experience, handling underwriting, servicing and collections so partners don't have to.

London's SAPI raises €69M to help small businesses get funding through payments. SAPI team | Image credit: SAPI SAPI has raised $80M (nearly €69M) to expand its payment-linked financing services and support more small businesses. London-based SAPI, a provider of Liquidity-as-a-Service and credit infrastructure for payment companies, has secured $80M (nearly €69M), including roughly $75M in debt and $5M in equity. Investors in the round include Hudson Cove, along with existing backers Triple A Capital and Passion Capital. Mai Le, co-founder & CEO of SAPI, "Having the right backer at the right time can fundamentally change someone's life and the trajectory of the business they've started." "This funding round lets us scale payment-linked financing that repays at source and reaches more business owners who are too often overlooked by traditional lenders." SAPI plans to scale its payment solutions and extend operations in London and Hanoi. The company recently established a financial technology entity in Vietnam. Accessible capital that runs on payments. SAPI provides payment-linked financing that allows repayments to be collected directly from card and account-to-account payments. The system is designed to align repayment with business trading and reduce administrative work for business owners. The company works with partners, including Payment Service Providers, marketplaces, brokers, vendors, and financial technology firms, to deliver funding. SAPI designs advances that repay at source through existing payment flows, supported by underwriting and servicing. Alexis van Lennep, co-founder and CCO, SAPI, says, "By partnering with payment platforms, we can meet business customers where they already operate. Our aim is to make access to capital as straightforward as taking a payment." The company reports that 90 per cent of its loan book supports immigrant- and woman-owned small businesses. SAPI is currently hiring for multiple roles. Apply here.

SAPI, a small business financing platform co-founded by former Goldman Sachs and AlixPartners executives, has secured an $80 million funding boost. The round, led by Hudson Cove, includes $75 million in debt and $5 million in equity. Existing investors Triple A Capital and Passion Capital also participated. The funding will help SAPI expand its international presence and support small businesses, particularly those owned by immigrants and women, through payment-linked financing.