About Us

SMEs Deserve Better

We started Bourn because traditional SME finance no longer works for the businesses it’s meant to serve. Most funding products today are too complex, too rigid, and too slow - built around the lender’s constraints, not the businesses’ reality.

After years of experience in banking, fintechs, and scaling businesses, we kept seeing the same problem: creditworthy businesses locked out of capital because existing products simply didn’t give them what they needed.

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.

Reinventing the 300-year-old overdraft

So we built the Flexible Trade Account (FTA) - a smarter, easier alternative to the traditional overdraft. By connecting directly to a business bank account and accounting system, the FTA uses real-time data to unlock funding against outstanding invoices - all within a normal business account.

Fully embedded into common business operating systems, the FTA offers secure payments and flexible working capital that adapts to a company’s cash flow in real time. No paperwork, no manual uploads, no distractions.

We didn’t tweak the system - we rebuilt it for today’s growth economy.

Built for SMEs, designed for lenders

Bourn isn’t just solving for SMEs - we’ve built an entire distribution and operating platform for banks, lenders and partner platforms. Our co-branded or white-label solutions give lenders an out-of-the-box product to grow portfolios, reduce risk, and modernise lending - 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.