London-based Incard, a financial platform built for high-growth digital companies, has raised £10 million in Series A funding led by Smartfin, with participation from Founders Capital, MountFund, and a group of angel investors.
Founded to solve key gaps in traditional business banking, Incard addresses the challenges founders face when managing cash flow, invoicing, and spending across multiple disconnected tools. Entrepreneurs Theo Cesarini, Soraya Tribouillois, Liam Seskis, and Matteo Martino created the company and launched the platform in 2024 to bring these critical financial functions together in a single system designed to scale alongside fast-growing digital businesses.
At the product level, Incard’s financial operating system integrates banking, payments, and essential financial tools into one unified platform. As a result, the system centralises financial operations, delivers real-time cash flow visibility and spending insights, and supports industry-specific workflows through modular add-ons.
Commenting on the company’s progress, Theo Cesarini, CEO of Incard, said the team has built a control layer for the financial stack of high-growth digital businesses and is now focused on expanding platform access so more companies can effectively manage, automate, and optimise their finances.
In practice, the platform offers business banking, corporate cards, and connected bank accounts through a single interface. Additionally, companies can extend the platform using tools from the Incard App Store, selecting features that match their industry and growth stage, including invoicing, spend management, treasury, working capital, and other financial capabilities.
Meanwhile, Incard has seen strong adoption among high-growth digital businesses across the UK and Europe, particularly companies with heavy advertising spend, foreign exchange exposure, and complex multi-entity structures.
Looking ahead, the company plans to use the new funding to expand into additional markets, including Europe and the US. Furthermore, Incard will enhance its product suite and invest more deeply in automation, AI-driven financial workflows, and team expansion across engineering, compliance, and product development.
