What Satago does

Satago Financial Solutions Limited is a UK-based, London-headquartered fintech that operates a cloud-based cash flow management platform combining three integrated products: Credit Control (automated invoice chasing with custom email templates, sending schedules, client grouping, and late fee logic), Risk Insights (real-time credit scoring, risk banding, and suggested credit limits drawing on UK credit bureau data from Creditsafe, SmartCredit, and RSM Tracker), and Invoice Finance (offering up to 90% advance rates with both selective and full invoice finance options, 99% paperless processing, and fast approval). The platform connects via API to eight major accounting systems including Sage, Sage Intacct, Xero, QuickBooks, FreeAgent, KashFlow, FreshBooks, and Twinfield, and is delivered as a SaaS product with marketplace distribution on Sage, Xero, and QuickBooks app stores.

The company serves three primary customer segments: UK SMEs seeking to improve cash flow and automate debtor management, accountants and bookkeepers managing multiple clients (via a tailored Accountants Package with unlimited credit reports), and finance brokers and introducers (via a dedicated broker portal with commission tracking). A Satago for Partners programme extends white-label and integration use cases to technology partners such as Futrli. Revenue is generated through a combination of subscription SaaS fees (monthly auto-renewing subscriptions for base and Satago Plus premium tiers), transaction-based invoice finance fees, and usage-based per-credit-report fees; pricing is quote-based and not publicly disclosed. The company holds ISO 27001:2022 certification and operates within SOC 2 certified data centre infrastructure.

Satago is a wholly-owned subsidiary of TruFin plc (TRFNF on OTCQX), a UK-listed fintech holding company that reported GBP 65.9 million in group revenue and 66% EBITDA growth in Q4 2025 across three subsidiaries including Satago, Oxygen, and Playstack. Headcount sits in the 51–100 range, the company has raised approximately USD 12M in cumulative funding across rounds led by Seedrs (2014, 2016) and Lloyds Bank (2022), and a wholly-owned subsidiary Satago SPV1 Limited acts as the special purpose vehicle for invoice financing originations.

Name

Satago

Legal name

Satago Financial Solutions Limited

Website

https://satago.com

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

51–100 employees

Short description

Satago is a UK-based SaaS fintech offering SMEs, accountants, and brokers an integrated platform for automated credit control, real-time credit risk assessment, and selective or full invoice finance, connected to major accounting software including Sage, Xero, and QuickBooks.

Ownership category

akta.pro rank

Product category

Cash Flow Management Software

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (51821), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518)

SIC

Short-Term Business Credit Institutions (6153), Services-Prepackaged Software (7372), Finance Services (6199)

akta.pro primary industry

Collateral, Lien & Asset Valuation Platforms (Auto, Equipment, Real Estate) (FSAGAHAG)

akta.pro secondary industry

Bill Pay, Invoicing & Payables Platforms (BPAMAFAF)

Keywords

• Cash flow management
• Invoice finance software
• Credit risk assessment
• Automated credit control
• Accounts receivable software

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Subscription SaaS: Monthly or annual subscription fees for access to Satago platform including Credit Control and Risk Insights features. Subscription periods auto-renew. Pricing is quote-based, not publicly disclosed.
2. Invoice Finance Fees: Transaction-based fees on invoice finance advances. Clear, transparent pricing for financing. Fees calculated based on invoice value and payment timeline.
3. Credit Report Fees: Per-credit-report fees for additional reports beyond package inclusion. One-off fees processed within one month of report delivery.
4. Satago Plus Premium: Premium tier subscription with enhanced features. Upgrades from base subscription incur additional fees added to subscription payments.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

Satago is a cloud-based 3-in-1 cash flow management platform that combines automated Credit Control (invoice chasing and payment reminders), Risk Insights (real-time credit scoring and debtor risk monitoring using UK credit bureau data), and Invoice Finance (flexible funding with up to 90% advance rates, offering both Selective and Full Invoice Finance). The platform integrates via API with major accounting software including Sage, Xero, QuickBooks, FreeAgent, KashFlow, FreshBooks, Sage Intacct, and Twinfield. It is sold to UK SMEs, accountants, brokers, and partners as a SaaS subscription with usage-based fees for invoice finance and additional credit reports.

Product overview

Satago is a cloud-based cash flow management platform built around three core integrated products: Credit Control (automated invoice chasing), Risk Insights (real-time credit risk assessment), and Invoice Finance (flexible funding up to 90% advance rates). The platform is delivered as a unified SaaS solution with role-based variants for Business, Accountants, Brokers, and Partners, plus a premium Satago Plus tier. All variants connect via API to major accounting software (Sage, Xero, QuickBooks, FreeAgent, KashFlow, FreshBooks, Twinfield) to pull receivables data and automate workflows.

Differentiator

Problem solved

Functional benefit

Products and services

• Credit Control Automated invoice chasing and payment reminder system enabling businesses to create bespoke email communications, set custom sending schedules, group clients, and apply late fees in line with government directives. Targeted at UK SMEs, accountants, and bookkeepers who want to reduce manual chasing of overdue invoices.
• Risk Insights Real-time credit risk assessment tool providing instant customer credit scores, risk bands, suggested credit limits, and monitoring of SME credit health using UK credit bureau data. Helps businesses avoid bad debt and make better credit term decisions.
• Invoice Finance Fast, flexible invoice finance solution offering up to 90% advance rates on single or multiple invoices, with both Selective and Full Invoice Finance options. 99% paperless process with fast approval and transparent pricing. Unique in the UK for offering both selective and full invoice finance interchangeably.
• Satago for Business End-to-end cash flow management solution variant for businesses, integrating flexible financing with automated credit control and risk insights. Connects to accounting software via API for SME self-serve onboarding.
• Satago for Accountants Practice management edition enabling accountants to manage client cash flow, automate credit control for clients, access unlimited full credit reports on UK entities, and offer invoice funding as an additional revenue stream.
• Satago for Brokers Broker portal variant enabling finance brokers and introducers to manage referrals, track commissions, and offer Satago's invoice financing product to SME clients with fast approvals and drawdown times.
• Satago for Partners Open and modular solution for technology partners to build bespoke cash flow management packages, integrating with platforms like Sage and Futrli for white-label or API integration use cases.
• Satago Plus Premium subscription tier of the Satago platform with additional enhanced features beyond the standard subscription, available as an upgrade with additional fees added to subscription payments.

Quantifiable outcome

• Up to 90% advance rates on invoice finance
• +2 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration25 records

AI capability4 records

Feature8 records

Partnerships

Ten partnerships are on record, tiered core and minor.

• SagecoreGTM or Marketing PartnerStrategic marketplace and marketing partnership. Satago is listed on Sage Marketplace and Sage 50 embedded services. Sage EVP Product Neal Watkins provides testimonial for partner programme. Sage branding prominently featured in Satago's partner ecosystem.
• XerocoreTechnology or IntegrationXero is one of three primary accounting software integrations featured prominently on Satago's website and app. 5-star rating on Xero marketplace. Single sign-on integration available.
• QuickBookscoreTechnology or IntegrationPrimary accounting software integration partner with 5-star rating on QuickBooks App Store. Featured in homepage and product pages.
• FutrliminorStrategic or Co-development PartnerFutrli CEO James Wilson quoted in Satago's partner materials: 'We're uniquely positioned in the market to address customer needs around future cash flow forecasting with Futrli and cash flow management through Satago's enhanced credit control automation and risk insights.' Integration for complementary cash flow solutions.
• StripecoreTechnology or IntegrationPayment processing partner. Essential cookies for payment processing functionality. Part of Satago's payment infrastructure.
• GoCardlesscoreTechnology or IntegrationPayment processing partner alongside Stripe for handling transactions. Listed in privacy policy as payment processor.
• NylascoreTechnology or IntegrationEmail integration platform provider. Satago integrates with Google Workspace (Gmail) using Nylas to enable authorized users to send emails from their Gmail account within the Satago application. Nylas acts as Satago's authorized processor managing authentication and Google API interactions.
• Creditsafe Business Solutions LimitedcoreTechnology or IntegrationCredit data provider used by Satago for Risk Insights credit bureau data. Listed in privacy policy as source of contact and identity data.
• SmartCredit LtdcoreTechnology or IntegrationCredit data broker providing credit information to Satago for risk assessment services.
• RSM TrackercoreTechnology or IntegrationCredit tracking service providing data for Satago's risk insights and credit monitoring features.

Scale indicators7 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Iwoca: UK-based SME lending platform offering flexible working capital and invoice finance. Targets similar SME segment with digital-first underwriting, comparable to Satago's invoice finance arm.
• MarketInvoice (now ANNA Money): UK-based invoice financing platform providing selective and full invoice finance to SMEs. Direct competitor to Satago's Invoice Finance product with similar customer base and value proposition around fast, paperless funding.
• Funding Circle: UK-listed SME lending platform offering business loans and invoice finance. Overlaps with Satago on invoice finance and SME credit risk assessment, with broader lending product suite.
• Sonovate: UK-based invoice finance and credit management platform serving SMEs and recruitment agencies. Combines financing with credit control software, directly comparable to Satago's three-in-one offering.
• Pulse Cashflow: UK-based invoice finance provider specializing in fast, digital invoice discounting and factoring for SMEs. Directly competes with Satago's invoice finance product in the UK market.
• Capital on Tap: UK-based SME funding platform offering business credit cards and working capital. Targets the same SME customer segment as Satago with cash flow management solutions.
• Kriya: UK-based embedded payments and invoice financing platform for B2B SMEs and marketplaces. Competes with Satago's invoice finance product, particularly in digital-first invoice financing.

Emerging players

• Fluidly: UK-based AI-powered cash flow forecasting platform for SMEs and accountants. Adjacent to Satago's Risk Insights and integrates with same accounting platforms (Xero, QuickBooks).
• Liberis: Embedded finance platform providing revenue-based financing to SMEs through technology partners. Comparable to Satago's invoice finance but delivered via embedded channels rather than direct.
• Futrli: UK-based cash flow forecasting and reporting platform for SMEs and accountants, partnered with Satago. Complementary offering addressing cash flow prediction versus Satago's credit control and financing.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xtwitter.com/SatagoHQ
• Facebookfacebook.com/satagoltd
• LinkedInlinkedin.com/company/satago-ltd

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries1 record

Funding overview

Funding rounds4 records

Investors7 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Satago