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Incard raises £10m to build ‘financial OS for digital entrepreneurs’

Published: February 2, 2026 at 9:53 am

Incard, a financial platform for high-growth digital companies, has raised £10m Series A funding.

The firm says the move that will bring greater financial control and agility to more eCommerce brands, agencies, affiliates and resellers.

The funding round was led by Smartfin, with participation from Founders Capital, MountFund and top-tier angel investors.

Incard directly addresses a problem that CEO Theo Cesarini and his co-founders Soraya Tribouillois, Liam Seskis and Matteo Martino experienced first-hand as serial entrepreneurs.

The banking system is fragmented, and owner-founders are often juggling between various apps, systems and spreadsheets to keep track of their cashflow, invoicing and ad spending. Incard’s co-founders decided to create a solution that would do this in one place, and in a way that keeps pace with the growth of digital businesses. The company is building what it describes as a financial operating system, an orchestration layer that sits on top of banking, payments and financial tools, and adapts them to the way modern digital businesses actually run.

The Incard platform gives users access to business banking, corporate cards with built-in rewards, and connected banking accounts in a single interface. Companies can extend the platform with tools from the Incard App Store that are suitable for their industry and growth stage. Users can also access invoicing and spend management, alongside cashback on key business expenses. Additional tools support treasury, working capital and other financial needs.

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