Bourn, the UK FinTech focused on modernising business overdrafts for the growth economy, has raised £3.5m in fresh capital to accelerate the expansion and adoption of its Flexible Trade Account (FTA).
The funding round drew support from NatWest Group, McPike Global Family Office, Haatch, Love Ventures, Portfolio Ventures and Aperture.
The latest tranche will help Bourn scale its offering and expand its market reach, enabling the company to deepen the functionality of its FTA, enhance its team capacity, and grow through new financial services and platform partnerships.
The investment will also support the firm’s mission to deliver more accessible, embedded working-capital solutions to SMEs traditionally underserved by mainstream finance.
Bourn aims to close the SME funding gap by embedding overdraft-style flexibility directly into the banking and financial platforms businesses already use. Its infrastructure model enables seamless distribution of receivable-backed funding at scale, reducing operational complexity for financial partners while increasing SMEs’ access to productive capital.
Central to Bourn’s proposition is the Flexible Trade Account, which merges payments, current account features, and instant access to secured working capital. Driven by real-time data and an AI-powered risk engine, the FTA enables SMEs to pay suppliers more quickly, optimise cash-flow management and fund everyday operations without taking on additional debt.
The FTA’s embedded nature allows it to be integrated directly into ERP systems, B2B marketplaces, accounting platforms and partner financial institutions, providing on-demand access to working capital within existing workflows. Bourn positions itself as the infrastructure layer for embedded SME finance, ensuring funding partners can deploy flexible, dynamic capital solutions efficiently.
Bourn has been piloting the FTA with Investec, working with live customers to validate the model as a substitute for traditional working-capital tools. According to early feedback, the solution has been described as a potential “game-changer” for the industry. Alongside NatWest and Investec, Bourn continues to expand integrations across a growing network of financial and operational platforms.
Bourn co-founder and CEO Nick Tracey said, “2025 has been a year of validation, proving that SMEs and their funding partners need a more modern, data-driven approach to working capital. This investment round is a huge vote of confidence. It shows that established banks see the same opportunity we do: to bring liquidity closer to the point of need and help businesses fund growth more dynamically.
“Our goal is to reinvent the business overdraft for SMEs. When working capital flows easily, businesses invest, hire, and grow. That’s how we make finance work for the real economy again.”
NatWest Group head of strategic investments Ladi Greenstreet said, “Now more than ever, SMEs need the right support to scale and grow – which is why Bourn’s offering has so much potential. Their founding team combines deep banking expertise with genuine fintech innovation, while their capabilities complement our ambition to help customers access working capital seamlessly through the platforms they already use. Supporting Bourn reinforces our commitment to helping fintechs thrive while ensuring our Commercial Mid-Market customers can access the funding and support they need.”
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