Bourn, the UK fintech reinventing the business overdraft for the growth economy, has raised £3.5 million in new funding to expand the reach of its Flexible Trade Account (FTA), a modern working capital solution giving small and medium-sized enterprises real-time access to flexible secured funding.
The round includes a strategic minority investment from NatWest Group, alongside funding from other investors including McPike Global Family Office, Haatch, Love Ventures, Portfolio Ventures and Aperture.
The capital will be used to deepen Bourn’s account functionality, grow its team, and scale through new financial services and platform partnerships that bring working capital directly into the systems businesses already use.
Bourn is tackling the funding gap that SMEs sometimes face by embedding overdraft-style flexibility directly into the bank accounts and financial platforms SMEs already operate, thereby removing friction and unlocking a faster, fairer flow of capital.
At the heart of its approach is the Flexible Trade Account, which integrates payments, current account functionality, and instant access to secured working capital. Powered by real-time data and an AI-driven risk engine, the solution enables businesses to pay suppliers faster, manage cash flow intelligently, and fund growth without taking on additional debt.
Bourn has been piloting the solution with Investec for several months, working with live customers to validate the solution as an alternative to traditional offerings. Beyond NatWest and Investec, Bourn is integrating with a growing network of financial institutions, accounting platforms, and marketplaces, helping finance providers deliver on-demand funding with minimal operational complexity and enabling partners to deploy flexible receivable-backed funding at scale.
