FLEXIBLE TRADE ACCOUNT

One account. Endless working capital potential.

The Flexible Trade Account helps businesses access the funds they’ve already earned, turning unpaid invoices or revenue into working capital.

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What You Get with Bourn

Open a Smart Business Account

Apply online in minutes, approval in as little as 24 hours
Connect your existing bank and accounting systems securely
Manage payments, team access, and approvals from one place

Access a Flexible Funding Line

Advance up to 90% of your receivables through our funding partners
Real-time visibility to funding limits and availability
Transparent pricing and flexible repayment options

Send and Receive Payments Securely

Make supplier payments or transfer to your main account instantly
Automatic sweeps and reconciliations keep repayments on track
Optional structured repayment plans to fit your business cycles

Woman with gray curly hair using a laptop, alongside floating digital cards showing a virtual card for Martha Smith, a Flexible Trade Account with balance £13,500 and limit £60,000, and connections displaying amounts £120,000 and £52,500.

Man sitting on a couch using a smartphone with digital overlays showing a flexible trade account balance of £13,500 and a transactions list.

A woman smiling while using a laptop with on-screen graphics showing a quick payments interface including options to select payee, reference, amount, and an approve payment button.

Power Your Business:
When Plans Grow or Challenges Arise

Fuel your next big order - even before the last is paid.

Free up working capital to seize growth opportunities without delay.

Handle the unexpected with ease.

From surprise tax bills to urgent supplier payments, have the flexibility to stay in control.

Stop delaying decisions. Start growing.

Whether you’re hiring, restocking, or investing - access the funds you’ve already earned to move your business forward, today.

Why Bourn Beats Traditional Funding

Much simpler than invoice finance. More dynamic than an overdraft. More scalable and cheaper than a credit card. More efficient than a loan. Funding provided by our lending partners.

Feature

Secured Lending (up to 90% advance)

Flexible Repayment Options

No Personal Guarantee Required

Built-In Automation Tools

Onboarding in <24 hours

Accounting Software Integration

Transactional Business Account

Overdraft

Invoice Finance

Short-Term Loan

Credit Card

Flexible Trade Account

What Our Clients Say

Businesses love that Bourn has the simplicity of a bank overdraft that scales with their growth.

We often wait three months or more to get paid by major retailers. Getting access to working capital is essential to make bulk stock purchases and grow our business.

Gloucester Road Maintenance

We previously used a High Street bank, but the operational overhead was overwhelming. We completed the sign-up for Bourn's product and it was seamless!”

Nature’s Greatest Secret