Is this a loan or factoring?

No. Triver is not a business loan, and it does not work like traditional factoring.Unlike a business loan, there is no long term borrowing, no prepayment fee. You only pay for what you use. Unlike factoring, there is no need to change the way customers pay you, and Triver remains invisible. There is also no registered charge against your business.

How does Triver work?

Raise and send your invoice as usual. Then upload it to Triver, or connect your accounting software so eligible invoices appear automatically.Choose the invoice you want to stream, review the offer and accept it. The cash is sent to your bank account straight away, and settlement happens automatically when your customer pays you.

What invoices can I advance?

You can advance eligible commercial invoices in pounds sterling, issued to UK-registered companies or public sector entities.Invoices must be for completed work, have payment terms from 10 to 120 days and fall within your approved facility limit. Individual invoices can range from £100 to £100,000. Invoices to consumers or sole traders are not eligible.

How fast can I access funds?

Once your facility is set up, you can advance eligible invoices online and receive funds the same day, usually within minutes, 24/7.There are no branch visits, lengthy forms or back-and-forth with a relationship manager.

Will my customer know I'm using Triver?

No. Triver does not contact your customers. They will continue to pay you directly. You can continue to manage your customer relationship as usual.

Do I have to advance every invoice?

No. You choose which invoices to advance and when.Use Triver when it helps your cash flow, for example to cover payroll, buy stock, pay a bill or start the next job sooner.

What happens when my customer pays?

When your customer pays, the advance settles automatically via Direct Debit.You do not need to schedule repayments, manage instalments or remember due dates.

For small businesses

Instant capital in a click

Q: What is Cashflow Streaming?

Cashflow Streaming turns your unpaid invoices into immediate cash.Instead of waiting 30, 60, or 90 days to be paid, you get instant access to the money you’ve already earned so you can pay staff, buy materials, and keep your business moving.Unlike traditional business loans, it isn't debt. When your customer pays you, the advance settles automatically. There are no lengthy contracts, or hidden fees. It is finance that runs in the background, giving you your money without the wait.

Q: How much does it cost?

Each advance has one clear fee, shown before you commit: a daily discount fee from 0.06% per day (about 1.8% on a 30-day invoice) on the amount advanced. There is a minimum upfront charge equal to 10 days of fees (minimum £18).There is no setup fee, no early repayment fees, no hidden charge and no minimum usage. You only pay when you choose to advance an invoice. When your facility is idle, it costs you nothing.

Fund your business without taking debt. Turn your client invoices into instant cash flow whenever you wish, with an open-ended facility up to £400,000.

Turn your invoices into instant cash in a click

Advance cash whenever you need, 24/7

Free to open an account – limits up to £400,000

Get started

You did the work. Now you're waiting to get paid

60-90 days to get paid

Your customer pays in 60 days or more. Your suppliers want paying in 30. That cash gap puts pressure on everything.

Payroll due on Friday

The work is finished and the invoice is sent, but payroll can’t wait for your customer to pay.

You’ve won new work

You should be ready to start the next job, not waiting for the last invoice to clear. Growth shouldn’t stall because cash is stuck.

You've already earned the money. Triver gets it to you faster.

BUILT FOR THE HEROES OF THE REAL ECONOMY

Amazing service

TRIVER services provided are amazing, such a simple and transparent experience with them. Also any questions you may have, you can call and they respond very professionally.

Raymond Turner, London

There to support your business

Triver offer a fantastic solution to support cashflow. AND on the occasion you need to call them, you get actual human interaction. No endless AI - people who are there to work and advise you, they get things done. Their fees work out less than the high street banks and they have an easy to use system.

Giles A., Beech

Absolutely Brilliant

Absolutely Brilliant! Took 5 minutes to set it up. Money was in my company account within an hour, for my first invoice finance request. Excellent way to prop up companies cash flow where required. Much better than a loan!

Hayley G., Hereford

Tech and people that both work!

A great mix of personal service and technology that actually works!

Julian Berry, London

2,200+

SMEs serviced

£350M+

Total cash advanced

<10 mins

Time to open a facility

<2 mins

Time to get your funds

What is Triver?

Not a loan. Not factoring. Cashflow from invoices you’ve already earned.

Turn unpaid invoices into cash, quickly and discreetly, without a personal guarantee.

Fast

Get cash in minutes, not weeks. Available 24/7.

Flexible

Advance the invoices you choose, when you choose.

Discreet

Your customers never know Triver is involved.

Fair

One clear fee per advance. No hidden charges.

A new category we call Cashflow Streaming

How it works

Invoice. Advance. Done.

Triver invoice screen showing an INV-2087 for Bright Lane Ltd totalling £5,185.20 synced from Xero, alongside chips for QuickBooks and Sage and an "Invoice synced" toast.

Raise and send your invoice as usual. Upload it to Triver, or connect your Xero, Quickbooks or Sage account so eligible invoices appear on your dashboard automatically.

Your data is protected with bank-level security. Connecting takes minutes.

Apply now

Know the cost before you commit

One simple fee per advance. No interest, no hidden charges, no minimum usage.

Stream today

£20,000

30 days · Fee £360

See what you could unlock

Amount to stream

min £100max £100k

Invoice terms

min 10 daysmax 120 days

Apply now

Why Triver?

FAST BY DESIGN. HUMAN WHEN IT MATTERS.

No paperwork. Faster decisions.

We use secure data connections to assess your business and invoices in minutes, with no lengthy forms, no documents, or back-and-forth.

Self-serve, whenever you need it.

Apply, advance invoices and manage your account online whenever you need to, even at 11pm on a Sunday. No branch visits. No waiting for a callback.

Support from real people

Triver is built on technology, but backed by people who understand SME cash flow. When you need help, you can speak to someone.

Your questions, answered

Here are some questions our customers frequently ask. If you can't find what you're looking for, visit our support hub.

Cashflow Streaming turns your unpaid invoices into immediate cash.

Instead of waiting 30, 60, or 90 days to be paid, you get instant access to the money you’ve already earned so you can pay staff, buy materials, and keep your business moving.

Unlike traditional business loans, it isn't debt. When your customer pays you, the advance settles automatically. There are no lengthy contracts, or hidden fees. It is finance that runs in the background, giving you your money without the wait.

Each advance has one clear fee, shown before you commit: a daily discount fee from 0.06% per day (about 1.8% on a 30-day invoice) on the amount advanced. There is a minimum upfront charge equal to 10 days of fees (minimum £18).

There is no setup fee, no early repayment fees, no hidden charge and no minimum usage. You only pay when you choose to advance an invoice. When your facility is idle, it costs you nothing.

Visit support hub

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