Homepage2024-02-19T14:05:00+00:00

FOR SMALL BUSINESSES

INSTANT CAPITAL IN A CLICK

Fund your business without taking debt. Turn your client invoices into instant cash flow whenever you wish, with an open-ended facility up to £250,000.

FOR SMALL BUSINESSES

INSTANT CAPITAL
IN A CLICK

Fund your business without taking debt. Turn your client invoices into instant cash flow whenever you wish, with an open-ended facility up to £250,000.

  • Open your facility in minutes

  • No personal guarantee

  • Limit up to 20% of turnover

  • A simple fee per transaction

WHY USE TRIVER?

Unlock cash flow to fund your business whenever you need it


Suppliers and staff need to be paid on time; clients take time to pay – this is the typical cash flow management challenge. With 55 days of average payment terms, UK small businesses are constantly owed £150Bn in commercial invoices waiting to be paid. TRIVER solves this problem by enabling SMEs to turn their client invoices into instant cash flow, at any time, to fund working capital needs. This is the most flexible and cost-effective solution to smooth cash flow without taking new debt.

WHY USE TRIVER?

Unlock cash flow to fund your business whenever you need it

Suppliers and staff need to be paid on time; clients take time to pay – this is the typical cash flow management challenge. With 55 days of average payment terms, UK small businesses are constantly owed £150Bn in commercial invoices waiting to be paid. TRIVER solves this problem by enabling SMEs to turn their client invoices into instant cash flow, at any time, to fund working capital needs. This is the most flexible and cost-effective solution to smooth cash flow without taking new debt.

HOW DOES IT WORK?

OPEN

Open your TRIVER facility online in a few minutes 

UPLOAD

Upload a client invoice you wish to turn into cash flow 

RECEIVE

Get funds instantly transferred to your business bank account 

REPAY

When your client pays you, repay TRIVER by direct debit

RE-USE

Re-use the facility whenever you want. Upload more invoices

THE BEST CASH FLOW FINANCING SOLUTION

Fast – open a facility and advance invoices in minutes 

Simple – no personal guarantee, no securities, no paperwork

Discreet – invisible to your clients

Flexible – large facility that grows with your business 

Fair – one simple fee per transaction, no hidden fees 

Convenient – available to use online 24/7, whenever you wish 

THE BEST CASH FLOW FINANCING SOLUTION

Fast – open a facility and advance invoices in minutes 

Simple – no personal guarantee, no securities, no paperwork 

Discreet – invisible to your clients

Flexible – large facility that grows with your business

Fair – one simple fee per transaction, no hidden fees 

Convenient – available to use online 24/7, whenever you wish 

OUR PRICING IS SIMPLE

Your TRIVER facility only costs for what you use. We charge a simple discount fee per transaction, calculated based on your daily rate applied on the value of the invoice – for instance 0.06% daily, i.e. 1.8% for a 30-day invoice. That’s it. There is no setup fee, no interest, no prepayment fee. The facility is entirely free when you don’t use it, and you can stop using it at any time.

Your TRIVER facility only costs for what you use. We charge a simple discount fee per transaction, calculated based on your daily rate applied on the value of the invoice – for instance 0.06% daily, i.e. 1.8% for a 30-day invoice. That’s it. There is no setup fee, no interest, no prepayment fee. The facility is entirely free when you don’t use it, and you can stop using it at any time.

CALCULATOR




Invoices up to £100,000




Up to 120 days





*based on a daily discount rate of 0.06%

WHAT YOU NEED TO APPLY

SMALL BUSINESSES FROM ALL INDUSTRIES WELCOME

  • You are a Director of a UK Limited company or LLP business

  • Trading B2B with commercial clients with payment terms

  • Active for more than 2 years with an annual turnover of over £100k

  • Able to connect your business bank account with Open Banking

  • With a receivables portfolio not already pledged with a lender

WHAT OUR CUSTOMERS SAY

“In my business, cash management can often be stressful. I need to pay my staff weekly, but my large clients take weeks to pay and are often late. With TRIVER I finally get the peace of mind of knowing that I can deal with unforeseen events and keep everybody paid on time”

Commercial Director, Support activities for animal production

I found the process to open a facility and fund invoices with TRIVER extremely easy. I usually don’t have much time to deal with administrative matters and this is so much better than my bank or other lenders I was using!

CEO and founder, Electronics distributor and B2B Reseller

Managing my business finances is very important and I want to make sure I am making the right choices. I talked to the customer service and Chris was brilliant explaining me how the product works and how much it costs. They have also been helpful with resolving any technical issue very fast

Managing Director, Recruitment agency

WHAT OUR CUSTOMERS SAY

“In my business, cash management can often be stressful. I need to pay my staff weekly, but my large clients take weeks to pay and are often late. With TRIVER I finally get the peace of mind of knowing that I can deal with unforeseen events and keep everybody paid on time”

Commercial Director, Support activities for animal production

I found the process to open a facility and fund invoices with TRIVER extremely easy. I usually don’t have much time to deal with administrative matters and this is so much better than my bank or other lenders I was using!

CEO and founder, Electronics distributor and B2B Reseller

Managing my business finances is very important and I want to make sure I am making the right choices. I talked to the customer service and Chris was brilliant explaining me how the product works and how much it costs. They have also been helpful with resolving any technical issue very fast

Managing Director, Recruitment agency

AS FEATURED IN

FREQUENTLY ASKED QUESTIONS

What is the service offered by TRIVER?2024-01-03T19:09:33+00:00

TRIVER offers cash flow financing to small businesses, leveraging unpaid client invoices. This service is called invoice discounting. Your TRIVER facility enables you to advance invoices whenever needed, up to the facility limit, and you only pay for what you use.

What is invoice discounting?2024-01-04T19:03:41+00:00

Invoice discounting is way to generate instant cash flow from your client invoices by advancing their payment instead of taking new debts. Unlike invoice factoring, you can select the invoices you wish to advance and the use of the facility is invisible to your clients.

What invoice amounts can I submit?​2024-01-03T18:46:01+00:00

You can advance as many invoices as you want between £1,000 – £100,000, up to your facility limit.

What invoices are accepted? ​2024-01-03T18:43:49+00:00

Commercial invoices in Sterling Pound made to companies (not to consumer or sole-trader) registered in the UK that have payment terms of 10 days or more.​

How will I repay TRIVER?2024-01-05T14:49:54+00:00

Your repayment to TRIVER is collected via a one-off direct debit scheduled a few days after your invoice due date, providing you time to receive payments from your client. We will give you advance notice before your repayment is collected.

Can I make early repayments if I am paid early by my client? 2024-01-04T19:05:05+00:00

Yes, you can make an early repayment to TRIVER if your client pays you early. The cost of the transaction will be adjusted accordingly. You only pay for what you use, there is no early repayment fee.

What if I don’t get paid by my client on time?2024-01-04T19:05:17+00:00

If your client is going to pay you later than originally agreed, you can request a repayment extension. When approved, your direct debit is rescheduled to a later date and the cost of the transaction is adjusted accordingly. You can extend it up to a maximum of 120 days from the original date of the invoice funding.

What is required to apply? 2024-01-04T19:05:30+00:00

No paperwork, no personal guarantees. We only need your company name, the applying Director’s details and your permission for a read-only connection to your business bank account via Open Banking.

Is my company’s credit score going to be impacted?​2024-01-08T10:11:14+00:00

As part of assessing your application for opening a facility with TRIVER, we ask credit reference agencies for your company’s credit data. This data request is called a ‘soft search’. Soft searches are only visible to you and the credit reference agency. They are not visible to other lenders and don’t affect your company’s credit score. A ‘standard’ search, also known as ‘hard’ search, that gets registered in your credit file is only performed once you have received and accepted an offer from TRIVER.

Is my personal credit score going to be impacted?2024-01-08T10:11:28+00:00

No. Directors’ credit scores are not impacted. There will only be a ‘soft’ search on the applicant Director’s credit file that does not leave a mark on their credit records.

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