WHY THIS MATTERS

Adfin’s $18 million Series A funding on May 11, 2026, signals a definitive shift from passive financial automation to “agentic” execution. In the UK, where late payments drain the working capital of 63% of SMEs, Adfin has already proven its model: its customers see a late-payment rate of just 9%, roughly seven times better than the national average. By raising over $30 million in less than two years and securing backing from Index Ventures, Adfin is moving beyond mere reminders into an era of “money that moves itself.”

The platform’s core innovation lies in its proprietary payment infrastructure coupled with agentic AI. Unlike standard “autopay” features, Adfin’s agents act as autonomous negotiators and managers, deciding the optimal course of action to secure payments while preserving the delicate relationship between a business and its clients. For the professional services firms, accountants, and SMEs that Adfin serves, this funding allows for the expansion into end-to-end cashflow management, turning a business’s “bloodstream”—its money movement—into a high-speed, self-governing asset.

Adfin, the London-based fintech, has raised $18 million in Series A funding to build the agentic money movement platform: starting by helping businesses getting paid on time, and ending with money that moves itself.

The funding round was led by Index Ventures, with participation from Visionaries Club and new investors Stéphane Kurgan (former COO of King) and Andrey Khusid (founder of Miro). The investment brings Adfin’s total funding to over $30 million in less than two years and comes as Adfin was named the third fastest-growing technology company in Europe, and the fastest-growing UK company by Scaling Europe. 

In the UK alone, almost two-thirds (63%) of invoices sent by SMEs are paid late. This strains working capital, slows growth, and puts jobs at risk. Adfin gives SMEs the tools to get paid on time, uniquely coupling proprietary new payment infrastructure with agentic AI to decide the best course of action for each client and automate the tedious tasks that were preventing businesses doing what they do best: managing client relationships. This infrastructure has already delivered outstanding results for Adfin customers. Today, they see only 9% of their invoices paid late: nearly 7x better than the 63% figure for the UK as a whole.

Getting paid is just the start. With the Series A, Adfin plans to expand the Adfin product into end-to-end cashflow management, step up hiring across engineering and sales, and prepare for international expansion.

Tom Pope, Adfin Co-founder and CEO said: “Adfin is building the agentic finance platform for money movement: automating the workflows finance teams use to get paid, manage their money, and, in time, much more. And we’re doing it the way our customers keep telling us they want: safe, auditable, trackable, with humans firmly in control. By owning both the underlying financial infrastructure and the agentic workflows on top, we’ll let finance teams deploy agents in a way nobody else can. 

Why does this matter? If you’re getting paid faster and optimising how you manage cash, you’re building a better business. Money movement isn’t admin, it’s the bloodstream of every company. We believe this so strongly that we’ve rewritten our mission around it: Adfin exists to help the world build better businesses.”

Liam McHugh, Director at Steve Pye & Co, a Norwich-based accounting practice said: “Since using Adfin we’ve seen nearly a 3x reduction in the number of our invoices that are paid late. It’s had a meaningful impact on our cashflow. It also means our team no longer has to spend time chasing invoices, and instead can focus on serving our customers and growing our business.” 

Julia André, Partner at Index Ventures said, “Index backs founders who have the rare ability to obsess over a problem and build category-defining businesses. We see that same pattern in Tom and Ciprian. We backed them at pre-seed and seed and we’re tripling down, because their results speak for themselves.”

FF NEWS TAKE

Adfin is effectively building the “Central Nervous System” for business finance. By naming it an “agentic money movement platform,” Tom Pope and Ciprian Diaconasu are setting a new standard where finance teams stop being “chasers” and start being “overseers.” Index Ventures’ decision to “triple down” on the team reflects the rarity of a fintech that delivers such high-impact operational results so early in its lifecycle. In a 2026 market where “Agentic Payments” is becoming the industry’s buzziest category, Adfin has a significant head start by owning both the underlying payment rails and the AI decision layer.

However, the leap from “getting paid” to “money that moves itself” is an immense technical and regulatory challenge. As Adfin scales internationally, it must navigate a fragmented global landscape of real-time payment schemes and varying AI governance standards. The inclusion of visionary investors like Andrey Khusid (Miro) suggests that Adfin is prioritizing the “user-centricity” of its agents. If Adfin can prove that its AI agents can handle complex, multi-currency treasury tasks with the same 99% accuracy it brings to simple invoicing, it will likely become the definitive operating system for the world’s mid-market businesses.