Drive customer engagement with embedded working capital

SME customers expect more than static lending, they want finance where they already work. The Flexible Trade Account enables platforms to embed overdraft-style funding directly into user workflows, unlocking new revenue and deeper engagement.

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Built for platforms

Accounting & ERPs

Embed working capital directly into ledgers, AR, or payments flows. Offer facilities against real activity.

Marketplaces

Finance payouts to sellers and service providers with automated collections.

Vertical SaaS

Add finance to industry-specific vertical workflows with minimal integration.

Your full-stack embedded finance partner

Unlike generic embedded lending APIs, the solution delivers bank-grade oversight, flexible working capital, and compliant orchestration — ready for regulated or sponsored deployment.

Drop-in widgets: fast to deploy, live in days.

API integration: for full control of experience and data flows.

White-label solution: launch under your brand, with full compliance support.

Why platforms partner with Bourn

Deepen customer engagement

Enable business users to access flexible funding within their daily workflow — from invoicing to payments.

Create new revenue streams

Monetise funding without the regulatory burden. Earn from margin sharing, referral fees, or co-branded offers.

Differentiate your platform

Stand out with embedded finance that feels native — not bolted on.

Transparent, Responsible Monetisation

Revenue Share

Share interest margin / fee income per active facility

Embedded Pricing

Offer preferential rates tied to usage, tiers, or bundles

Embed in Days

Choose your path

01.

White-Label

Your brand, our infrastructure

Co-branded flows
Theming, copy & locales
Support & SLAs

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.

Drop-in Widgets

Minimal lift, live in days

Eligibility banner & CTA
Pre-approved offer model
Facility dashboard panel

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.

API Integration

Flexible and scalable

Customer onboarding
Offer generation & acceptance
Drawdowns and Payments
Servicing and Collections

User interface showing business account balance of $3,582, flexible trade account info, spend limit set to $2,000 with edit option, card expenses toggle, and an approve button.

FAQs

No. Bourn provides all the regulated services directly to the customer alongside our services from banks and funding partners; your platform embeds the UX and consents.

We require customer consent to access relevant data from their bank accounts and accounting systems on a real-time or near-real-time basis. This data is used to support automated decisioning, availability calculations, and ongoing monitoring. Access is provided securely via regulated third-party providers and can be withdrawn by the customer at any time.

Integration timelines depend on the approach selected. Drop-in widgets can typically be deployed within days. API or white-label integrations are delivered through a phased rollout and, depending on scope and complexity, can be completed in as little as two weeks.

Partner with Bourn today.

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