SMEs Deserve Better.

Our mission is to reinvent business overdraft with intelligent, flexible working capital that helps SMEs grow

Reinventing the 300-year-old overdraft

We built the Flexible Trade Account as a smarter, modern alternative to the traditional business overdraft.

By connecting directly to a company’s bank and accounting systems, the Flexible Trade Account uses real-time data to unlock credit against outstanding invoices - all within a secure, everyday business account. No paperwork, manual uploads, or distractions.

It’s built for today’s growth economy. Embedded and automated, offering secure payments and flexible working capital that adapts to a company’s cash flow in real time.

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About Bourn

We started Bourn because traditional SME finance no longer works for the businesses it’s meant to serve. Most funding products are too rigid, too slow, and too complex - designed around the lender’s limitations, not the realities of modern business.

After years in banking, fintechs, and scaling businesses, we saw the same pattern again and again: creditworthy businesses locked out of capital they’d already earned, because existing systems couldn’t keep up.
Access to working capital shouldn’t be this hard. The capital exists. What’s missing is a better way to deploy it: quickly, intelligently, and at scale.

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Built for SMEs. Designed for lenders.

Bourn isn’t just solving access to capital, we’ve built the infrastructure for banks, lenders, and partners to transform SME lending at scale.

Our platform powers embedded finance, co-branded, and white-label solutions for lenders, banks, and platforms to grow portfolios, reduce risk, and modernise without the need for long implementation timelines and integration costs.

Partners grow portfolios, reduce risk, and deliver capital to the businesses that need it - quickly, efficiently, and at scale.

Let’s make finance flow