TuningBill

TuningBill is a London-based B2B neobank founded in 2019 to serve the large and underserved market of SME importers and exporters who rely on cross-border trade but struggle to access adequate funding from traditional financial institutions. Co-founded by Asit Beesen and Amita Dhand, TuningBill was built around a simple but powerful idea: a trader's transaction history is a more meaningful measure of creditworthiness than conventional collateral, and financing should be available at the speed of trade.

TuningBill's platform offers a comprehensive suite of neobanking and trade finance services, including BNPL-style business loans secured against trade invoices (with financing up to 80% of invoice value, no collateral required), multi-currency wallets, competitive foreign exchange rates, online payments, money transfers, and trade analytics. The platform is available on both iOS and Android, and operates via RailsBank-affiliated licences across the UK, Europe, and the USA. In August 2022, TuningBill entered a major strategic partnership with DP World, integrating its services into the global logistics giant's CARGOES Finance platform and giving traders across more than 80 countries access to its neobanking offering.

TuningBill raised $22 million in a Series B round in 2022 led by Fasanara Capital, with participation from CFV Ventures and RevTech Labs Capital. The DP World partnership has significantly expanded TuningBill's commercial reach and the company is actively pursuing expansion into Dubai, India, Singapore, and Hong Kong. The platform's differentiated model — combining lending with non-lending services such as warehousing, fulfilment, and receivables insurance — positions it as a full-service trade ecosystem for global SME traders.