DECTA and SAPI partner to provide financing for UK SMEs

Payment technology provider DECTA has partnered with SAPI to launch DECTA Capital, a new product designed to provide UK small and medium-sized enterprises (SMEs) with rapid access to growth capital.

The partnership utilizes embedded finance to allow merchants to access funding directly through their existing payment experience. This model aims to bypass the slow, document-heavy processes of traditional lenders. Underwriting, servicing, and compliance are managed by SAPI.

Key features of the offering include:

• Funding availability typically within 24 hours. • No collateral or credit score hurdles required. • Repayments are structured as a pre-agreed share of card sales rather than fixed monthly installments, allowing payments to scale with business activity.

DECTA CEO Scott Dawson stated that the partnership aims to provide a faster, more flexible funding experience to help businesses overcome barriers to capital.