Bourn.Ai

Bourn is a financial technology company addressing the cash flow challenges faced by UK SMEs. Their solution is to simplify working capital for growth businesses.

“At Bourn, we understand the vital role SMEs play in the #UK economy. Our mission is to simplify cash flow management through innovative financial solutions, giving businesses the confidence to grow.

– Nick Tracey , Co-Founder and CEO of Bourn

What is a Flexible Trade Account?

A Flexible Trade Account (FTA) is a business credit and payment solution designed to help SMEs manage cash flow effortlessly.

Key Features of Bourn's Flexible Trade Account!

? Real-Time Funding Adjustments – Unlike traditional overdrafts, Bourn’s FTA dynamically scales funding limits based on live invoice and transaction data.

? Automated Cash Flow Management – No more manual admin—transactions flow seamlessly through a built-in payment account, integrating directly with accounting platforms like Xero.

? AI-Driven Risk Intelligence – Proprietary AI models assess financial health in real time, ensuring businesses get the funding they need, when they need it.

? Seamless Embedded Finance – Businesses can access credit directly within banking apps, ERPs, and SaaS platforms, simplifying financial management.

? A White-Label Solution for Banks & Lenders – Financial institutions can expand their SME lending portfolios, mitigate risk, and optimise returns with Bourn’s scalable technology.

Behind the Build!

Founded in 2024 by Roger Vincent , Nick Tracey , and Paul Gambrell , Bourn brings together a team with deep fintech expertise and a clear vision for #SME financial accessibility.

Scaling Through Strategic Partnerships

Bourn is working with #UK #banks and #lenders to deliver the FTA as a white-label solution, allowing financial institutions to enhance their SME lending capabilities.

Simultaneously, they are embedding their solution into leading accounting and business management platforms, ensuring businesses can access funding effortlessly within their existing tools.

“Access to working capital remains one of the biggest barriers to SME growth. Bourn’s solution offers a scalable, efficient funding option for UK businesses, and we’re thrilled to support their journey.”

– Marcus Love , General Partner at Love Ventures

The Future of SME Finance?

Backed by a ￡1.5 million seed funding round led by Haatch , alongside support from Love Ventures , Portfolio Ventures , and #Aperture, Bourn is setting a new benchmark in accessible, real-time financing with its Flexible Trade Account (FTA).

This funding propels them closer to their vision of transforming SME finance across the UK.

Learm more: https://bourn.ai/

What do you think—should #SMEs rely on fintech solutions, or will banks innovate fast enough to keep up?

#Fintech #SMEFunding #CashFlowSolutions #Haatch #LoveVentures #PortfolioVentures #Aperture #Vectors #Vsourz #Bourn