Incard, a London-based fintech that provides digital brands with a financial management platform, has raised £10m in a Series A funding round.
Launched in 2024, the Incard platform has been described by the company as a “financial operating system” for business owners, the creation of which was inspired by the founders’ own issues juggling fragmented banking, invoicing and cashflow tools and documents.
“We have built a control layer for the financial stack of high-growth digital companies, and we’re now focused on bringing this system to more businesses so they can manage, automate and optimise their finances,” said chief executive Theo Cesarini.
“As entrepreneurs we noticed there was a clear mismatch between how digital businesses actually operate and the financial tools that were available to them.
“Every industry has unique financial workflows and they need a system that understands how they operate – one that centralises finance, provides spend insights, tracks real-time cash flow, and includes industry-specific add-ons. They need to have visibility of all of that, in a single place.”
According to the company, more than £500m has already been transacted on its platform, with existing users including Aloe Paris and Azio Beauty.
With its Series A funding now secured, the company plans to prioritise geographic expansion across Europe and the US and invest in more automation and AI-driven tools.
The investment round was led by Smartfin and included participation from Founders Capital, MountFund and angels.
“Incard is building infrastructure that reflects how digital companies actually grow and operate today, where speed, automation and real-time visibility are critical to growth,” Thomas Depuydt, general partner at Smartfin.
