Satago Invoice Finance Review
Satago is a London-based fintech invoice finance provider and official Sage partner. They offer both selective and full invoice finance on a single platform, with the ability to switch between the two as your needs change. Satago integrates directly with Xero, Sage, and QuickBooks, pulling invoice data automatically and making the funding process significantly faster than traditional providers.
Satago is a London-based fintech and official Sage partner offering selective and full invoice finance on one platform, integrating with Xero, Sage and QuickBooks, with advance rates around 85%.
More detail + scope
Summary
Satago is a London-based fintech invoice finance provider and official Sage partner. It offers both selective and full invoice finance on a single platform, with the ability to switch between them as needs change. It integrates directly with Xero, Sage and QuickBooks, pulling invoice data automatically. Advance rates run around 85% with service charges around 2.2% and discount charges at base rate plus 3.5%.
This page covers
Satago selective and full invoice finance, accounting integrations, Sage partnership and pricing
Not covered here
Traditional whole-ledger factoring (see /providers/), general invoice finance education (see /guides/), sector pages (see /industries/)
Key Facts
When Satago Fits
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Professional services firms (£200k-£2m turnover) already on Xero or Sage who want faster access to cash without rekeying invoices
Satago's direct accounting software integration means invoices flow through automatically. You select which ones to fund via dashboard, approval takes hours not days, and you avoid the manual ledger reconciliation typical of traditional factoring.
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Growing agencies or consultancies needing flexibility to fund invoices ad-hoc during busy months and switch off during quieter periods
Satago's selective invoice finance lets you choose individual invoices to fund without commitment to a full ledger facility. As volumes grow, you can migrate to their full facility on the same platform without changing provider.
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B2B businesses (£500k+ turnover) with creditworthy blue-chip clients who want tech-first service but lack the £1m+ turnover some traditional banks require
Satago's fintech model focuses on invoice quality and debtor strength rather than rigid turnover thresholds. Their Sage partnership gives them direct access to financial data, speeding up credit decisions for businesses with strong customer bases but modest scale.
When to Look Elsewhere
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Construction subcontractors invoicing tier-1 contractors with retention clauses or application-for-payment structures
Better fit: Bibby Financial Services. Bibby has specialist construction teams experienced with retention finance and JCT contracts, whereas Satago's platform is optimised for straightforward trade invoices.
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Recruitment agencies placing 100+ temps weekly needing same-day payroll funding and back-office ledger management
Better fit: Sonovate. Sonovate is purpose-built for recruitment with same-day funding, automated timesheet processing, and full payroll integration, which Satago's general platform doesn't replicate.
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Start-ups under £150k turnover or businesses with county court judgements seeking flexible invoice finance
Better fit: Kriya. Kriya (formerly MarketFinance) offers selective invoice finance to younger businesses and those with impaired credit, with lower minimum turnover requirements than Satago's typical acceptance criteria.
How Satago Compares
| Provider | Type | Min facility | Fee from | Advance to | Speed |
|---|---|---|---|---|---|
| Kriya | both | £50k | 2.5% | 90% | 1-2 days |
| Pulse Cashflow | both | £100k | 1.8% | 90% | 2-3 days |
| Triver | both | £100k | 2.0% | 85% | 1-2 days |
vs Kriya: Kriya accepts younger businesses and lower turnovers but lacks Satago's native Sage/Xero integration, requiring manual invoice upload for each funding request.
vs Pulse Cashflow: Pulse offers lower headline fees for full facilities but charges separately for credit control services, whereas Satago bundles ledger management into their full facility pricing.
vs Triver: Triver's platform emphasises embedded finance for accountancy practices, while Satago's Sage partnership focuses on direct business users who manage their own books.
Worked Example
A Manchester digital marketing agency with £750k turnover using Xero for invoicing
Setting Up With Satago
- 1
Connect accounting software
Link your Sage, Xero, or QuickBooks account to Satago's platform. The integration pulls your sales ledger automatically, so there's no manual CSV upload. Satago reviews your invoice history and debtor payment patterns to set initial credit limits, typically within 24-48 hours.
- 2
Choose selective or full facility
Decide whether to fund individual invoices as needed (selective) or commit your entire ledger (full facility for lower fees). You can start selective and migrate to full later without reapplying. Satago presents both fee structures side-by-side based on your last three months' invoicing.
- 3
Request funding via dashboard
Select which invoices to fund from your connected ledger. Satago runs a real-time credit check on each debtor (results visible instantly for returning customers). Funds typically arrive same or next working day. For full facilities, advances happen automatically as you raise invoices in your accounting software.
FAQs
Can I switch between selective and full invoice finance without reapplying?
Yes. Satago's platform supports both models on a single agreement. If you start with selective finance and later want the lower fees of a full facility, you notify Satago via the dashboard and they migrate your account within 48 hours. The reverse is also possible if your invoicing becomes more sporadic, though full-to-selective switches may involve a notice period depending on your contract terms.
How does Satago's Sage partnership affect approval speed compared to non-integrated providers?
The Sage integration gives Satago read-only access to your accounting data, so they see invoice ageing, debtor payment history, and cash flow patterns in real time. Traditional providers request bank statements and aged debtors reports manually, adding 3-5 days to decisions. Satago's credit team typically approves new debtor limits within 4 hours for Sage users because the data is already validated.
What happens if a customer disputes an invoice I've already drawn funds against?
Satago's full facility includes credit control, so they contact your customer to resolve disputes. If the invoice is genuinely disputed and you've received an advance, you must either provide a replacement approved invoice of equal value or repay the advance plus accrued discount charges. On selective finance, you remain responsible for collections, so disputed invoices can trigger immediate repayment demands.
Does Satago charge for credit checks on new customers, and are there limits on how many I can add?
Most Satago agreements include a monthly allowance of debtor credit checks (typically 10-20 depending on facility size). Beyond that, expect £5-£15 per check. There's no hard limit on debtor numbers, but each requires individual credit approval. Businesses with highly fragmented customer bases (100+ active debtors) may find Satago's per-check fees add up compared to providers like Bibby that bundle unlimited checks into service charges.
Our Verdict
Satago is one of the more interesting fintech players in invoice finance. The ability to switch between selective and full invoice finance on the same platform is a genuine differentiator, and the accounting software integrations make it very easy to get started. Ideal for businesses already using Sage, Xero, or QuickBooks that want a modern, low-friction invoice finance experience.
Director, Market Invoice
Oliver leads Market Invoice's editorial and comparison research. With a background in UK commercial finance, he oversees provider analysis, rate verification, and industry reporting across all verticals.
Last reviewed: 8 April 2026