Overview
Bourn helps businesses unlock cash tied up in unpaid invoices.
By connecting securely to your accounting software and bank accounts, Bourn uses real-time data to provide access to working capital through the Flexible Trade Account.
This gives businesses a modern alternative to a traditional overdraft - with funding that adjusts as invoices are raised and paid.
With secure integrations and automated workflows, there’s no paperwork, spreadsheets, or manual uploads.
In short: Bourn turns your invoices into real-time working capital, helping you manage cash flow and keep your business moving.
Bourn + Xero
Bourn integrates with Xero using a secure API connection. During onboarding, businesses can connect their Xero account directly within the Bourn platform.
Once connected, Bourn securely syncs key data such as invoices, debtor balances, payment history, and financial information. This data helps finance providers assess receivables and provide funding through the Flexible Trade Account.
The integration supports automated workflows. As invoices are created in Xero, eligible receivables can be identified automatically, and available funding can adjust based on current sales activity. Customer payments can also be matched to invoices automatically, helping reduce reconciliation work.
Continuous data syncing ensures funding decisions are based on up-to-date information from Xero.
Getting started
Getting started takes just a few minutes
- Create your account profile
- Add your business details so we can verify your company
- Connect Xero to securely share your accounting data
- Connect your business bank account using Open Banking
Once connected, we analyse your receivables and provide a proposed credit offer secured against your unpaid invoices, including limits, pricing, and terms.
In many cases, this can be completed within 48 hours once all required information is provided.
The Flexible Trade Account combines funding from a finance provider with Bourn’s payment account technology, giving you a simple way to access working capital and manage payments in one place.
Your data is always protected. Connections use secure APIs, and you remain in full control of what information you share.
