EN#0383 – UK SME embedded-finance platform, operational, for sale

An opportunity to acquire a live UK SME embedded-finance platform providing company formation, business accounts, cards and payment processing through a single digital flow. The platform currently serves around 1,100 active businesses and processes approx. £3M in monthly Total Payment Volume (TPV), with its iOS, Android, web and administration platforms developed fully in-house.

The company operates as a Technical Service Provider (TSP) on fintech company, is supervised by HMRC for AML purposes and is registered as an Authorized Corporate Service Provider (ACSP) with Companies House.

Key Highlights:

• Technology Infrastructure: The technology has been developed in-house and includes iOS and Android applications, a web platform, and a dedicated administration portal. The platform and its existing integrations form part of the proposed acquisition.
• Regulatory Position: The company is not directly authorized by the FCA, and the transaction should not be considered or presented as a regulated license acquisition. The company operates as a Technical Service Provider on fintech company, is supervised by HMRC for AML purposes and holds Companies House ACSP status. The acquisition relates to the operating business and infrastructure, including the technology platform, integrations, compliance and onboarding workflows, applications, and team.
• Banking Infrastructure: The company operates primarily through its own platform, alongside a Revolut Business account. The company does not hold client funds.
• Compliance Framework: Existing compliance infrastructure includes AML/KYC controls and in-house customer onboarding workflows. The company’s HMRC AML supervision and Companies House ACSP status further support its existing company-formation and onboarding activities.
• Financial Liabilities: The company has no loans, notes, or external financing. An accrued trade balance of approx. £150k is currently outstanding with its payment processor as part of normal operations and is expected to be settled at or before completion as part of the transaction mechanics.
• Operating Expenses: Average monthly operating expenses are approx. £25k. A more detailed cost breakdown may be made available during due diligence.

This UK SME embedded-finance platform represents an attractive opportunity for buyers seeking to acquire an established operating and technology infrastructure rather than build one from the ground up. With around 1,100 active businesses, approx. £3M in monthly TPV, integrated company formation, business accounts, cards and payment-processing capabilities, and fully in-house technology across mobile, web and administration environments, the acquisition offers an established route into the UK SME financial-services ecosystem.

For further information on the sale of this UK SME embedded-finance platform, please contact our Mergers & Acquisitions team at info@salvusfunds.com. More entities for sale can be found within our Entity Acquisition or Sale page.

SALVUS Funds’ teams can be engaged for guidance on new license authorizations for investment, payment or crypto-asset services, ongoing regulatory compliance consultancy for regulated entities, and support in acquiring ready-made regulated or registered entities. 

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