Many digital entrepreneurs struggle to manage their finances with outdated or disconnected tools. Tasks like tracking cash flow, ad spending, invoices, and multiple accounts often mean switching between spreadsheets and platforms just to get a clear picture.
Incard solves these problems with a single platform that brings together business banking, payments, and spend management. Digital companies get instant insight into their cash flow and spending, and automation and analytics help them control costs and run more smoothly.
Today, Incard has raised £10 million in Series A funding to accelerate its global expansion and enhance its automation technology. Smartfin led the round, with Founders Capital, MountFund, and several experienced angel investors joining.
This investment will help Incard accelerate automation across its financial processes, enhance its AI capabilities, and expand into Europe and the U.S.
A strong financial foundation for the next generation of digital-first companies
Incard was founded in 2024 by Theo Cesarini, Soraya Tribouillois, Liam Seskis, and Matteo Martino, who faced the same challenges of managing disconnected financial systems while running digital businesses.
Cesarini tells TFN, “Incard was born from our own experience as entrepreneurs. We struggled with generic banking tools, fragmented platforms, and limited visibility, often managing finances blindly while wasting time and money. At the same time, a new generation of digital entrepreneurs was emerging, from e-commerce founders to creators and affiliates, with needs that traditional financial products simply didn’t understand. Incard was built to serve how modern businesses actually operate”
Incard’s platform has a modular financial setup built for speed, automation, and clarity. Users can open multi-currency accounts, issue corporate cards with rewards, and manage payments from one dashboard. Real-time analytics and spending insights help founders track and improve performance across teams or regions.
Cesarini elaborates, “Most banks and fintechs focus on generic payments and spend management, often limited to a single market. Incard goes beyond that by building a global financial platform with industry-specific workflows. Through our app store and rewards system, entrepreneurs can add tailored features without complicating the user experience, adapting Incard to their specific business model, whether e-commerce, content, or agencies.”
Key features include a single financial system that brings together banking, payments, and analytics; an App Store with tools tailored to each company’s needs; AI-powered automation for faster reconciliations and cash flow forecasts; and clear control over multiple business units from a single place.
The Incard App Store lets users add tools tailored to their industry or growth stage, with options for e-commerce, marketing agencies, and digital resellers. Brands like Azio Beauty, Aloe Paris, and Ankhway already use Incard, which has processed over £500 million in transactions so far.
Platforms like Brex, Ramp, and Mercury offer digital banking in different ways, but Incard manages the whole financial process, not just accounts or cards.
What about diversity?
On diversity, Cesarini adds, “Women represent 33% of our C-level leadership team. Women represent 41% of our senior leadership roles. Our team brings together talent from 11 nationalities.”
What’s next for Incard?
With Series A funding, Incard plans to expand into major European and U.S. markets and accelerate development of its AI-powered financial automation tools. The company will also invest in engineering, compliance, and product development to support its expanding international customer base.
Cesarini concludes, “Our goal is to become a global player by expanding our licenses across key jurisdictions, opening our app store to developers worldwide, and building the world’s first financial operating system for Gen Z and digital-first, high-growth companies.”
