Tide - Streamlining Finance for Small Businesses Globally
Tide offers a comprehensive app for business accounts, payments, invoicing, and credit, tailored for small businesses needing streamlined finance solutions. With 1.5M+ global members, it's scaling rapidly in the UK, India, and Germany.
Small businesses don’t want a bank, they want less admin.
Tide sells a single app for business account, payments, invoicing, bookkeeping, and now credit, built for sole traders and tiny teams who are doing finance between customers.
It’s at real scale: 1.5M+ members globally as of July 29, 2025, split roughly 750k in the UK and 750k+ in India, plus a newer push in Germany.
The model is boring in the best way. Free account to get in, then subscription tiers, payment and interchange revenue, and financial products layered on top, with credit as the margin engine.
Credit is getting serious: in May 2025 Tide secured a £100M securitisation facility from Fasanara to scale its “Credit Flex” pay-in-four working capital product, with loans up to £5,000 inside the app.
The cap table tells you this is late-stage fintech, not a side project. On September 22, 2025 Tide announced a $120M round led by TPG, supported by Apax Digital Funds, at a $1.5B valuation.
Founder George Bevis started Tide in 2015, and CEO Oliver Prill has been the face of its multi-country playbook: win UK SME market share, copy the operating system into India, then move into Europe market by market.
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If you were building for SMEs today, would you bet on subscriptions first, or lending first?
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