Bourn

SME lending is broken. Bourn fixes it — for banks and their business customers alike.

Challenger banks and fintechs now account for over 60% of UK SME lending. The traditional business overdraft has shrunk from 30% to just 5% of SME finance — not because demand disappeared, but because legacy infrastructure made it too costly and slow to serve. Banks haven't lost the market through lack of capital. They've lost it through lack of the right product.

Bourn changes that.

For banks and lenders, Bourn is a white-label embedded financing platform that lets you launch a modern SME working capital product in weeks — without building it yourself. Deploy under your own brand, establish a structured credit facility, or go co-branded. Bourn handles the technology, compliance, and operations. You grow your portfolio.

For SMEs, Bourn's Flexible Trade Account (FTA) is a smarter alternative to the business overdraft — combining a fully operational payment account with a revolving credit facility that adjusts dynamically in real time. Funding limits move with the business: connected directly to their bank feeds and accounting software, the FTA unlocks capital against outstanding invoices automatically, with no fixed commitments or hidden fees.

Powered by AI and Open Banking, Bourn delivers instant credit decisions, automated underwriting, and continuous risk monitoring — dramatically reducing the cost to serve smaller business customers while improving portfolio performance.

Already trusted by major banks in live pilots and backed by strategic investment from NatWest, Bourn is the infrastructure layer that lets established financial institutions compete with fintechs on speed and intelligence — without the tech debt.

Grow your SME book. Reduce operational cost. Deliver smarter working capital — under your brand, on your terms.

FCA authorised. Live in weeks. Built for the growth economy.