Upgrade your overdraft for business customers

The Flexible Trade Account is a complete, configurable solution that enables regulated banks to deliver flexible, secured working-capital facilities, enhancing the banking experience for your business customers.

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Dark-themed banking dashboard showing account balance of -£12,500, limit of £42,500, available £27,500 with a pie chart, quick payment form, connection balances, and a transactions section.

Trusted by leading financial institutions

Bourn’s solution has the capacity to democratise working capital access in the UK.”

Rob Harris, Investec

Bourn brings the perfect mix of banking expertise and fintech innovation to unlock seamless working capital for SMEs, right where they do business”

Ladi Greenstreet, NatWest Group

Investec
NatWest

Smarter Overdraft. Built for Lenders

The solution works alongside your client's bank accounts, giving business customers access to dynamic, overdraft-style credit.

One platform, fully managed from setup to repayment automation.

Configurable product tiers aligned to your credit policy and risk appetite.

Real-time visibility with live balances, utilisation, and audit-ready MI.

Automated sweeps for intelligent inflow/outflow management and repayments.

Why lenders choose Bourn

Drive Revenue Growth

Expand SME lending efficiently by delivering dynamic, data-driven working capital facilities that scale with your customers.

Win back market share

Reclaim ground from fintech challengers by offering the same flexibility, speed and user experience within your regulated framework.

Compete with fintech lenders

Launch a next-generation overdraft solution that blends innovation with bank-grade control and compliance.

Easy to Launch. Built to Scale.

Start with a pilot cohort. Launch in weeks with low friction referrals. Expand to larger and more complex customer segments over time. You remain the finance provider, we deliver the solution and service layer that makes it work.

01.

Pilot

Launch with a defined cohort using our referral scheme or your balance sheet.

Business dashboard interface showing a welcome message, search bar, financial summary of $3,582.00 with a performance graph, and a capital widget displaying $843.00 with growth details.
02.

Integration

Secure APIs or white-label deployment into your stack.

User interface showing Credit Control dashboard with sections for Outstanding Payments listing amounts and status, a Pending Approval area showing a $1,200 amount with Approve button, and an option to send payment reminders.
03.

Scale

Expand across segments; tune tiers, limits, and triggers.

Dashboard interface showing a Flexible Trade Account with a Business Account balance of $3,582.00, options to set a $2,000 spend limit with edit button, toggle for card expenses, and an approve button.

Built-in compliance & control

Each configuration includes the oversight and control your compliance risk teams need. Every action is traceable, explainable, and compliant by design.

End-to-end KYC/KYB and sanctions screening

Real-time financial and transactional data feeds

AI-enabled contract and document analysis

Covenant and utilisation triggers

Comprehensive audit trail and MI dashboards

End-to-end KYC/KYB and sanctions screening

Real-time financial and transactional data feeds

AI-enabled contract and document analysis

Covenant and utilisation triggers

Comprehensive audit trail and MI dashboards

FAQs

No. FTA works alongside your existing current accounts. Automated repayments or controlled receipt flows can be set up depending on product tier.

No. Bourn does not provide credit or take balance-sheet risk. Lenders retain full control over underwriting policy, credit limits, pricing, and approvals. Bourn supplies the platform, data integrations, and risk tooling that support those decisions.

Repayments are managed through automated settlement and reconciliation processes aligned to the lender's chosen operating model. Cash movements and settlements are continuously monitored, with controls in place to ensure timely application of receipts and visibility for lender teams.

If expected settlements do not occur as planned, the facility can be automatically restricted to prevent further utilisation. Lenders are notified promptly and can apply alternative repayment or collections processes in line with their credit policy.

Yes. Facility availability and risk indicators update automatically as underlying accounting and banking data refreshes. This supports continuous monitoring without requiring the SME to actively manage or report on the facility.

Bourn provides real-time visibility over receivables, payments, and exceptions, enabling lenders to enforce controls, intervene early, and switch to more traditional recovery or collections approaches if required.

Pricing is tailored by each funding provider in line with their risk appetite and funding criteria. Bourn supports this process through its technology and data infrastructure but does not determine pricing or provide lending services.

Partner with Bourn today.

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