Bourn and ClearBank partner to deliver real-time funding for UK SMEs
Bourn, the fintech reinventing working capital for the UK's growth economy, has announced a new partnership with ClearBank, one of the UK’s leading embedded banking and clearing platforms.
The partnership powers faster, more flexible access to capital for UK SMEs by integrating Bourn’s flagship product - the Flexible Trade Account (FTA) - with ClearBank’s real-time payment infrastructure.
Finance that moves at the speed of business
The FTA helps growing businesses unlock capital tied up in unpaid invoices. It connects directly to a company’s primary bank account and accounting system, using real-time data to assess available cash and offer flexible, on-demand funding. With ClearBank’s banking infrastructure, customers can access funding by sending and receiving funds instantly from Bourn’s payment account.
“SMEs need finance that’s simple, fast, and built around their reality - not the constraints of legacy banking products” said Nick Tracey, Co-Founder of Bourn. “With ClearBank, we’re giving businesses instant access to the money they’ve already earned, right when they need it.”
A better experience for businesses - and banks
This partnership enables:
- Embedded infrastructure: seamless funding experience that scales with the business
- Real-time access to capital: accelerating the time between invoicing and funding
- Instant payments: SMEs can make and receive payments directly from their FTA
“Our mission is to power the future of financial services and that includes enabling innovative fintechs like Bourn to deliver capital exactly when and where businesses need it. By combining Bourn’s proprietary risk engine and payment account with ClearBank’s real-time clearing and safeguarding infrastructure, we’re helping to redefine how SMEs access working capital in the UK.”
Together, Bourn and ClearBank are building the infrastructure for a more inclusive, intelligent, and responsive SME lending ecosystem - one that supports the businesses powering the UK economy.
Learn more at bourn.ai.