Adfin: The Central Nervous System for SME Finance | How AI Agents Are Replacing Invoice Chasers

Two payments infrastructure veterans just raised $18 million to turn finance teams from reactionary chasers into autonomous decision-makers and they're already proving it works.

SECTION 1: Company Overview

Adfin is a London-based fintech built to solve a deceptively simple problem: getting small businesses paid on time. But the approach is anything but simple.

The company pairs proprietary payment infrastructure with what it calls “agentic AI workflows”—autonomous agents that decide the best course of action to recover, reconcile, and accelerate invoice payments. Translation: an AI system that acts on behalf of your finance team, deciding which payment method to present, when to retry failed payments, how to sequence reminders, and when to escalate without human judgment bottlenecks.