Apron

Apron is a London-based financial operations platform for small and medium-sized businesses and the accountants and bookkeepers who serve them. Its core products cover accounts payable end to end: invoice capture (documents uploaded by drag-and-drop, email, WhatsApp or mobile app, with AI extraction and categorisation of line items), bill pay with approval workflows and batch payments to suppliers, contractors and employees, payroll runs, expense management with automatic receipt capture and chasing, the Apron Card for employee spending with custom limits, reimbursements and mileage claims, and a pay-by-link "Get paid" collection product. Transactions carry an automatic PDF audit trail, and the platform integrates with Xero and QuickBooks for automatic reconciliation. Apron also supports businesses paying suppliers or staff in multiple currencies.

The company markets a dedicated proposition to accounting and bookkeeping practices, positioning itself as a shared workspace where practices and their clients handle capture, payments and reconciliation together, with custom approval flows, defined roles and multi-client access from a single login. A feature branded William AI is presented as an agent that connects to client inboxes, tracks down missing receipts and invoices, learns firm-specific policies for auto-categorisation, and autonomously publishes documents at high confidence levels. Practices are enrolled in a tiered partner programme ("Books Club": New partner, Silver, Gold, Platinum) that unlocks plan discounts of 15-30%, William AI access, priority support, monthly per-client document allowances and CPD credits based on points earned.

Apron was founded in late 2021 by Bogdan Uzbekov, previously a product leader at Revolut and, per Forbes, also briefly at Block (formerly Square). It raised a $15m Series A in September 2023 led by Index Ventures and a $30m Series B announced in September 2024 led by Zinal Growth, the fund backed by Checkout.com founder Guillaume Pousaz.

Founding story

Apron was founded in late 2021 by Bogdan Uzbekov, who was a product leader at Revolut for about three years and, according to Forbes, spent roughly six months at US payments company Block (formerly Square) before starting the company.

Business model

Apron sells subscription plans for its payments and capture platform to SMBs and to accounting/bookkeeping practices, with plan discounts of 15-30% for partner-programme tiers and per-client monthly document allowances. Transaction fees apply in parts of the product: its Get paid collection tool charges 0% on pay-by-bank and business card payments and 1% on personal card payments, and help-centre material references reconciling Apron transaction fees.

Software subscription plans (paid by businesses or by practices on clients' behalf) plus payment-related fees such as the 1% personal-card fee on incoming payments; card spend carries cashback of up to 1% to the customer.

Traction

More than 10,000 businesses use Apron. At the September 2024 Series B, the company said its SMB customer base had grown more than 20x in the 12 months since its September 2023 Series A, with thousands of invoices and millions in payments passing through the platform daily. One partner practice, Prysm Financial, is described as handling £2m of client payments per month through Apron.

Latest developments

A September 2025 help-centre overview describes Apron as an all-in-one accounts-payable and financial management platform used by over 10,000 businesses, spanning invoice capture, bill pay, expense management, payroll, Apron Card and Xero/QuickBooks integration. The website and accountants page promote the William AI document agent, a tiered 'Books Club' partner programme for practices, an Apron Card with up to 1% uncapped cashback, and a rewards scheme converting payment points into Virgin Points with a 20,000-point bonus offer.