Decta and Sapi partner to bring payment-linked financing to UK SMEs

This partnership introduces DECTA Capital, a new financing tool designed specifically for small and medium-sized businesses in the UK. If you are a retailer or service provider currently using DECTA for your payment processing, you now have a streamlined path to secure growth capital based directly on your sales volume. Instead of dealing with the rigid monthly payments associated with traditional bank loans, this model uses 'payment-linked financing.' This means your repayments are tied to your daily card sales—repaying more when business is booming and less during slower periods. For operators, the primary benefit is speed and cash flow management. The application process is integrated into the payment platform you already use, reducing the administrative burden of seeking a loan. The funding is intended to help businesses cover immediate needs like inventory procurement, equipment upgrades, or marketing pushes. Because the capital is unsecured and repayments are automated through your existing payment processing, it removes the friction of manual transfers and the stress of fixed overhead during down months. This reflects a broader trend in the industry where payment processors are becoming one-stop shops for both transaction handling and working capital.

Source: Finextra — Lending

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