← State of Embedded Finance 2026

TradeBridge

Can a data-driven embedded lending platform become the default working capital provider for SME sellers across global marketplaces and vertical sectors?

Founded2013
HQ8 Bloomsbury Street, London, WC1B 3SR, United Kingdom
FoundersOlivier Bonavero, Mark Coxhead, Mark Spiteri
Total raised$386.2M
Latest roundundisclosed
IndustryFintech / Lending
The story

Founded in 2013 as a supply chain finance platform for SMEs underserved by traditional banks, TradeBridge initially focused on corporate clients in energy efficiency, construction, and manufacturing. By 2019–2020 it pivoted toward eCommerce marketplace finance, embedding its revolving credit and term loan products directly into marketplace ecosystems such as Farfetch and Amazon. The company became an embedded lending infrastructure provider for B2B marketplaces and direct-to-merchant channels, deploying Airwallex for multi-currency payments and FX rails to operationalise international disbursements and collections.

Last 12 months
2024
2024
2024-10
Product timeline
2013
Founded by three friends with expertise in Finance, Business Management, and Supply Chain Management; signed first client (a fish farm in Scotland) with supply chain finance focus.· lending
2014
Built out team and technology platform to serve corporate clients across energy efficiency, construction and manufacturing sectors.· pivot
2019
Began funding eCommerce merchants via marketplace programmes (pre-dating direct-to-merchant launch).· lending
2020
Launched direct-to-merchant working capital finance for independent eCommerce retailers selling on marketplaces or their own websites.· lending
2024
Launched Energy Advance, a bespoke embedded finance product for SME energy-efficiency installers supporting UK 2050 Net Zero targets.· lending
2024
Partnered with Amazon UK as one of only two strategic funding providers; launched Term Financing for Amazon sellers with up to £5M growth capital; secured additional £170M facilities from a global bank and Castlelake within three months.· lending
The stack
Lending
Revolving credit facility (up to £5M)Term Financing (up to £5M, 3–18 month term)eCommerce Merchant FinanceAmazon Seller Term FinancingEnergy Advance (embedded finance for energy-efficiency SME installers)Supply chain finance / working capital
FX & payouts
Airwallex
Accounting gap: significant