Better SME coverage, without building from scratch
Banks and FX brokers know the SME opportunity is huge — but the economics of serving them with treasury, risk management, and cash solutions don't stack up. We change that. Partner with us to extend institutional-grade capabilities to your SME clients, on your terms.
Trusted by international businesses:
Best Risk Management
TMI Awards 2025
SME Inclusion Initiative
TTP Awards 2026
FCA Regulated
Firm Reference Number: 1008699
The SME treasury gap
Mid-market and SME businesses are the backbone of international trade — but they're the most underserved segment when it comes to treasury and risk management
5.5M
UK SMEs — most underserved by banks on treasury
80%
of SME FX is still done manually via phone or portal
<5%
of mid-market firms have access to proper risk management
The challenge for banks
Your corporate treasury desk serves large enterprises well — but the cost-to-serve model breaks down for SMEs. Building bespoke FX risk advisory, cash management tools, and hedging solutions for hundreds of smaller clients isn't viable. So they get a basic portal, a rate over the phone, and little guidance. Many drift to fintechs or brokers for FX — and you lose the relationship.
The challenge for FX brokers
You win clients on rate — but retaining them means offering more than execution. SME clients increasingly want cash visibility, exposure tracking, hedging guidance, and integration with their accounting systems. Building that technology stack from scratch takes years and millions. Without it, you compete purely on margin — a race to the bottom.
The Opportunity
Extend your reach into the SME segment — without the build cost
HedgeFlows gives your SME clients the treasury capabilities they need — cash management, FX risk monitoring, hedging guidance, payment automation, and accounting integrations — delivered through a platform built for businesses that don't have a treasury team. You keep the client relationship. We provide the infrastructure and advisory expertise.
- Institutional-grade tools sized for SMEs and mid-market
- FX risk advisory backed by 40+ years of banking experience
- Multi-currency cash management and payment automation
- ERP and accounting integrations out of the box
- FCA-regulated with safeguarded client funds
Partnership models
Flexible structures designed around how you want to work with us
Referral partnership
Introduce your SME clients to HedgeFlows for treasury, cash management, and FX risk — and earn ongoing revenue share. We handle onboarding, support, and delivery. You keep the banking relationship.
- Revenue share on referred clients
- Clients stay on your banking rails
- Dedicated partner manager
- Co-branded marketing materials
Embedded treasury
Embed HedgeFlows treasury tools directly into your client offering. Your clients get institutional-grade cash and risk management through your platform — powered by our infrastructure.
- API-first integration
- White-label or co-branded options
- FX, payments, and risk management
- Your branding, our engine
Advisory collaboration
Your relationship managers bring the client. Our treasury advisors bring the expertise. Together, you offer a full-service solution that deepens client loyalty and unlocks new revenue.
- Joint advisory on FX policy and hedging
- Cash management and working capital review
- Board-ready reporting for your clients
- Strengthens your SME proposition
How It Works
From conversation to client coverage in weeks
We move fast. Most partnerships go from first conversation to live clients in under a month. Here's how it typically works:
Discovery call
We understand your client base, your current SME offering, and where the gaps are.
Solution design
We design the partnership model — referral, embedded, or advisory collaboration — and agree commercial terms.
Integration & training
Technical integration (if needed), team training, and co-branded materials. We get your relationship managers comfortable with the offering.
Go live
Start introducing clients. We handle onboarding, treasury advisory, and ongoing support. You earn revenue and deepen client relationships.
Why financial institutions partner with us
FCA regulated
Authorised Payment Institution (FRN: 1008699). Safeguarded client funds. Full regulatory compliance built in.
Institutional pedigree
Founded by treasury professionals from Standard Chartered and Bank of America Merrill Lynch — with 40+ years of combined experience.
API-first platform
RESTful APIs, webhooks, and pre-built connectors for ERP, CRM, and BI systems. Built for integration from day one.
Proven with SMEs
Trusted by businesses across travel, logistics, professional services, and tech — the sectors your SME clients operate in.