UK SPI - Small Payment Institution

A group of various companies, providing business IBAN accounts, global money remittance, and digital banking solutions. The company operates with a robust regulatory framework, proprietary technology, and a safeguarded accounts structure.

With an established client base and a strong pipeline of users, the company is positioned for significant expansion, supported by 23 employees across three locations, all of whom are committed to staying post-transaction.

Regulatory Licenses
The company holds active regulatory licenses across five key jurisdictions, ensuring compliance and access to global financial markets.

Active Licenses:
United Kingdom – Small Payment Institution (SPI), safeguarded accounts at Clear Bank
United States – FinCEN Registered MSB
Canada – FINTRAC Registered MSB
Australia – ASIC & AUSTRAC Money Remittance Dealer
New Zealand – MBIE Registered MSB

Key Highlights
Full Group Sale: Entire group available for acquisition, with no partial deals.
Proprietary Software: Fully owned and developed payment infrastructure and banking technology.
Global Client Base: Customers from multiple regions, included as part of the sale.
Business IBAN Accounts & Money Transfers: Established remittance and payment services across multiple corridors.
Direct SEPA & SWIFT Access: Supporting instant international transactions and business banking solutions.

Key Financial Insights
Total Processed Volume (TPV): Over €139 million since inception.
Investment Received: Over €292,000 to date.
Revenue Growth: Peaked at €1.57 million in 2022, with a strong market presence.
Scalability: With investment, the company aims to onboard 1,000,000 users through existing LOIs with financial institutions in Africa and India.

Investment & Acquisition Opportunity
Full Sale
Transaction Structure: Full share sale of the group, including technology, licenses, and client base.

Competitive Advantages
Licensed in Five Major Markets: Ready for global expansion with a strong compliance framework.
Proprietary Fintech Infrastructure: Eliminates reliance on third-party software, allowing full customization and scalability.
Established Banking Relationships: Business IBAN accounts and safeguarded funds with reputable banks.
Scalable Growth Model: Forecasting rapid expansion through partnerships in Africa and India.
Strong Operational Team: 23 skilled professionals across three regions, ensuring smooth post-acquisition operations.

Conclusion
This licensed money services provider represents a rare opportunity for a strategic investor or acquirer to gain instant access to global remittance markets, business banking, and digital financial services.
With an existing client base, direct banking integrations, and a strong investment proposition, the company is positioned for significant expansion and profitability.