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DECTA partners with SAPI to give UK merchants working capital that repays with their card sales

DECTA Capital, built with payment-linked financing provider SAPI, gives UK merchants a faster route to funding, directly inside the payment experience they already use.

September 29, 2026

Getting finance is still one of the hardest parts of running a small business in the UK. SMEs generate more than half of the country's private sector turnover. Yet rising costs and tighter lending criteria keep many of them from getting the flexible working capital they need to grow. The traditional route means paperwork, collateral and a slow process, which a growing business rarely has time for.

So we've partnered with SAPI to put capital where our merchants already are.

How it works

DECTA merchants can access funding directly inside their existing payment experience, without the document-heavy process traditional lenders require. There are no collateral or credit score hurdles, and offers are typically available within 24 hours.

Repayment works differently from a standard loan. Instead of a fixed monthly instalment, businesses repay a small, pre-agreed share of their card sales. A slower week means a smaller payment, so repayments follow how the business is actually trading.

SAPI handles underwriting, servicing and compliance.

Why we're doing this

We've long seen the potential of embedded finance to deliver real value to our customers. Our merchants already run their payments with us. Bringing capital into the same place, from a specialist partner, means one less relationship to manage and one less reason for growth to stall.

"Access to capital remains one of the biggest barriers facing growing businesses, so it's important we do what we can to change that. 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."

Scott Dawson, CEO at DECTA

"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."

Mai Le, CEO at SAPI

About DECTA

DECTA is a payments infrastructure company operating since 2016. It provides payment acceptance, payment processing, white-label payment gateway, card issuing programmes and digital banking technology to merchants and licensed financial institutions across 30+ countries. DECTA holds EMI licences across multiple jurisdictions, is a principal member of Visa and Mastercard and is certified to PCI DSS Level 1, ISO 27001 and ISO 9001.

About SAPI

SAPI builds payment-linked credit products for payment companies, marketplaces and business platforms. Founded in 2021 and headquartered in London, with a second office in Hanoi, it has advanced more than £50 million to small businesses across the UK, EU and US.

To learn more, visit decta.com and sapi.com.