Could reinventing the overdraft grow the receivables finance market?

What if funding secured against invoices felt as familiar to a business owner as an overdraft? In the latest episode of Advances: The Receivables Finance Connect Podcast, host Mike Symes speaks to Roger Vincent, co-founder of Bourn, about whether that approach could bring working capital finance to businesses the industry has yet to reach.

Roger Vincent explains the thinking behind Bourn’s Flexible Trade Account, which combines a business account with an overdraft-style credit facility secured against invoices. He discusses how banks and fintechs can work together to make funding easier for customers to use while giving lenders the visibility and control they need.

The conversation also looks at how AI could change the way businesses manage their finances. Vincent shares what happened when a customer asked whether they could draw down funds from the AI assistant they already used to manage their accounts.

“Just work backwards from the customer,” he says.

Listen to the latest episode of Advances: The Receivables Finance Connect Podcast.

The episode also previews a discussion with Roger Vincent and Rob Harris in the Receivables Finance Connect stream at the upcoming Finance Connect UK Autumn Conference 2026. They’ll explore what the industry is up against and how rethinking familiar products could help it grow the market.

Listen to the full podcast episode below to hear Mike and Roger discuss the future of the business overdraft, bank–fintech partnerships and what AI could mean for the customer experience.

Explore all episodes of Advances: The Receivables Finance Connect Podcast.

Join the conversation at the Receivables Finance Connect Conference, part of the Finance Connect UK Autumn Conference, on Tuesday 24 November 2026 at Kings Place, London. Headline sponsored by Dancerace.