UK API- Authorized Payment Institution for sale

A highly profitable and fully regulated Authorized Payment Institution (API) specializing in foreign exchange (FX) services and international payments. The company processes approximately €348 million in FX volume annually, generating consistent profits with a strong operational structure.

With 24 employees and a client base of 700-800 corporate clients, the business primarily serves low-risk industries, including manufacturing, telecommunications, and healthcare. It maintains secure banking relationships with three major financial institutions, ensuring seamless payment processing and regulatory compliance.

This investment offers the opportunity to acquire or invest in a well-established and profitable fintech, strategically positioned for expansion across new markets and financial products.

Key Highlights

Licensed & Regulated Financial Institution
Authorized Payment Institution (API) – Fully compliant with financial regulations, allowing international payments in 145 countries.
Direct banking relationships with three major financial institutions, ensuring secure and efficient transactions.
Robust risk management & compliance framework, safeguarding transactions and client funds.

Strong Financial Performance & Scalability
Revenue Growth – Generating €2.9 million per month in 2023, with strong upward momentum.
High Profitability – Consistently achieving €464,000 monthly profit in 2024.
Low Operational Costs – Maintaining a cost-efficient structure of €174,000 per month, maximizing margins.

Established Market Presence & Client Base
700-800 active corporate clients, with a focus on low-risk industries such as manufacturing, healthcare, and telecommunications.
Diverse FX solutions, including spot and forward contracts, international payments, and trade finance tools.
Global Reach – Providing international payment services across multiple jurisdictions.

Cutting-Edge Financial Technology
24/7 online platform, enabling seamless and secure international transactions.
Advanced automation & compliance tools, ensuring adherence to financial regulations.
Scalable infrastructure, allowing for expansion into new geographic markets and financial verticals.

Financial Overview

Metric 2023 2024
Revenue (€ MM) 2.9 3.5+
Monthly Profit (€) 464,000 500,000+
Operating Costs (€ MM) 0.17 0.18
Enterprise Value (€ MM) 11.7


Investment Considerations

Transaction Structure:
Full Sale – Acquisition of 100% equity.
Strategic Investment – Opportunity for minority stake acquisition to fund expansion.
Equity Issuance – Capital infusion to support geographic expansion and product development.

Growth Potential
Expansion into new markets, leveraging existing banking infrastructure.
New product development, including embedded finance solutions and B2B payment automation.
Strategic partnerships & M&A, increasing market share and customer acquisition.

Conclusion

This highly profitable and scalable fintech represents a unique opportunity to acquire or invest in a leading payment institution with a strong financial foundation, a growing client base, and a robust regulatory framework. With continued revenue growth, operational efficiency, and expansion potential, this business is poised for significant long-term value creation.