Partnership Announcement
Combining Satago cashflow management tools with Sage’s embedded accounting technology to give banks and lenders the structured, real-time data they need to fund sole traders and micro businesses with confidence.
The opportunity
Limited financial visibility made the sole trader and micro segment too costly to underwrite. With structured Sage accounting data flowing through the Satago platform, that segment is now in reach; profitably.
↑ Traditional underwriting stops here — between micro and small businesses.
Why it’s been hard
Each one adds cost and risk to lending decisions. Together, they’ve made the micro and sole-trader segment uneconomical to serve, until now.
The smallest businesses rarely file detailed accounts, leaving lenders with too little data to assess risk or set terms.
Data lives across invoices, bank feeds and spreadsheets, so onboarding and monitoring are slow, manual and expensive.
The cost and complexity of underwriting small firms outweighs the return, so lending to them simply doesn’t scale.
How it works
Businesses manage their invoicing and accounting in one place. You get structured, real-time data and the tools to act on it.
Invoicing, payments, financial reporting and accountant collaboration happen in the Satago platform, with accounting powered by Sage underneath.
Powered by Sage
Invoices and transactions are recorded consistently, so you receive clean, real-time ledger data and cashflow insight, not a pile of PDFs.
Make confident lending decisions, price risk accurately, and monitor facilities in real time through one integrated platform.
For banks and lenders
Everything that made the smallest businesses hard to serve becomes an advantage when the data is structured and the platform does the heavy lifting.
Clean ledger data and cashflow insight on businesses where it’s historically been hard to obtain.
Assess risk more accurately and lend with confidence to segments you couldn’t price before.
Streamlined onboarding and real-time monitoring cut manual work, so you can serve smaller businesses efficiently.
Reach sole traders and micro businesses at a cost that finally makes the segment worth serving.
And for their customers
The businesses you lend to manage everything in one place, which makes them easier to assess and quicker to fund. Good for them, good for your book.
Sage
Sage
Satago
You
In their words
Embedded services are changing how financial products are delivered. Through our partnership with Satago, we’re helping banks and lenders unlock a new invoice finance segment — with the structured data needed to serve sole traders and micro businesses with confidence.
Gordon Stuart, SVP, Embedded Services, Sage
By combining Satago’s platform with Sage’s embedded accounting, we’re creating a more connected experience for lenders and small businesses — giving sole traders and micro businesses faster, more straightforward access to funding.
Sinéad McHale, CEO, Satago
Why Satago
Satago has spent over a decade building invoice finance technology that banks and lenders already rely on. The Sage partnership extends that reach to the smallest businesses.
Let’s talk
Tell us about your lending book and the segments you want to reach. We’ll show you how Satago, powered by Sage, fits your business.
