Reference ID: 1010
UK SPI License for Sale (Small Payment Institution)
About this opportunity
Overview
Ready-made UK finance company with a Small Payment Institution license, fully compliant, operational, and available for a quick sale.
- Incorporation: 2018
- Operating History: Live and active since 2018
- History: Clean, with no represented issues with HMRC or the FCA
Features
- Bank Account: Lloyds Bank account for company-expense operations only
- Partnerships: Fresh partnerships with Ria and Dandelion
- Additional Bank Account: Access to an additional bank account provided by Ria / Dandelion
- Software System: Third-party licensed software system through Remitec
- Services: Operational cash-collection and payout-service capabilities
- Operational cash-collection service
- Services enabling cash payout from a payment account through Ria / Dandelion
- Reach: Enabled to send to 190+ countries through the Dandelion / Ria platform
- Potential Expansion: May be extendable to an Authorized Payment Institution (API) or Electronic Money Institution (EMI) license, subject to regulatory review and buyer-side diligence
Transaction Profile
- Jurisdiction
- United Kingdom
- Type
- Finance Company with Small Payment Institution (SPI) License
- Status
- Live, Active, Operational, and Ready for Quick Sale
- Asking Range
- Details on request
- Structure
- Acquisition of Licensed UK Finance Company
- Coverage
- Small Payment Institution services, cash collection, cash payout enablement, Ria and Dandelion partnership rails, and potential API or EMI extension subject to buyer diligence
Financial and Operating Snapshot
- Asking Range
- Details on request
- Incorporated
- 2018
- Live and Active Since
- 2018
- Software System
- Remitec (third-party licensed system)
- Country Reach
- 190+ countries represented via Dandelion / Ria
Key Highlights
- UK finance company with Small Payment Institution license
- Ready-made, fully compliant, and operational setup represented
- Incorporated in 2018 and live and active since 2018
- Clean history represented, with no issues with HMRC or the FCA
- Quick-sale opportunity for a ready-to-go company
- Operational Lloyds Bank account in place for company-expense operations only
- Fresh partnerships with Ria and Dandelion
- Additional bank account represented as provided by Ria / Dandelion
- Enabled to send to 190+ countries through the Dandelion / Ria platform
- Licensed third-party software system through Remitec represented as ready to use
- Cash-collection service available and operational
- Services enabling cash payout from a payment account through Ria / Dandelion
- Potential extension path to API or EMI licensing due to operating history, subject to review
Tags
Why This Matters
UK payments market entry can involve company setup, regulatory authorization, compliance history, banking access, software readiness, payout partnerships, and operational controls. A live SPI company with represented clean standing, operating history since 2018, existing payment partnerships, and ready-to-use software may reduce initial setup friction for a buyer that can complete proper regulatory, legal, banking, and operational diligence.
- •Combines a UK SPI-licensed company with represented operating history since 2018
- •Includes existing payment-partner relationships through Ria and Dandelion
- •Provides a represented operational cash-collection and payout setup rather than a purely dormant shell
- •May offer a future API or EMI extension path, subject to regulatory review and buyer-side readiness
Ideal Acquirer Profile
This opportunity is well-suited for:
- •Payment companies seeking a UK Small Payment Institution starting point
- •Remittance operators evaluating UK-origin or UK-linked payout corridors
- •Fintech teams that value existing Ria and Dandelion partnership rails
- •Operators prepared to maintain UK payments compliance, reporting, governance, and banking obligations
- •Buyers seeking a ready-made company with live operating history rather than a newly formed entity
Strategic Use Cases
What you can build or operate with this license footprint:
- •Operate UK SPI-backed payment or remittance services subject to applicable permissions
- •Use the represented Ria and Dandelion relationships to support payout services
- •Build on the represented 190+ country platform reach through Dandelion / Ria
- •Evaluate an API or EMI upgrade path after acquisition, subject to regulatory and professional review
- •Use Remitec as the represented third-party software system for payment operations
Acquisition Process — What Happens Next
The path from qualification to closing typically follows these stages:
- 1Submit the qualification form on this page
- 2Verify your email through the one-click confirmation link
- 3DealHarbor reviews buyer fit and forwards qualified interest for next steps
- 4Buyer reviews SPI, company, banking, partner, software, and operating documentation under NDA
- 5Buyer completes UK legal, regulatory, tax, AML, banking, partner, and operational diligence
- 6Buyer and seller finalize transfer, continuity, and transition arrangements
- 7Closing occurs once documentation, regulatory considerations, and buyer-side requirements are complete
Important Notes
- •Buyer should independently verify SPI authorization status, FCA standing, HMRC position, and the represented clean history
- •Any extension to API or EMI status is subject to regulatory requirements, buyer readiness, capital, governance, compliance controls, and professional review
- •Lloyds Bank account use is represented as limited to company-expense operations only and should be verified during diligence
- •Ria, Dandelion, Remitec, bank-account access, country reach, cash collection, and payout arrangements should be reviewed directly before acquisition
- •DealHarbor does not verify seller representations or provide legal, regulatory, escrow, or transaction-settlement services
How DealHarbor handles this opportunity
- •Some details may be confidential or anonymized at this stage. Full details are released only after buyer qualification.
- •Every request is manually reviewed by our team. We do not pass details to sellers without verification.
- •Email verification is required. Nothing is forwarded internally until you confirm your email address.
- •DealHarbor does not act as escrow, hold client funds, or guarantee transaction completion.
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