Cashflow Streaming is an entirely new way to turn future payments into cash on hand, on demand, using short-term advances linked to invoices you’ve already issued. It sits within the category of receivables finance, and is part of a broader shift towards flexible, real-time, and data-driven cashflow management.
At Triver, Cashflow Streaming means you choose specific receivable invoices, receive the value the same day, and repay automatically when your customer pays. You can use streamed cash for payroll, suppliers, tax or other costs while you wait, without changing how or when your customers pay you. In practice, you are accessing money you have already earned.
When to use Cashflow Streaming
Cashflow Streaming is designed for short, predictable timing gaps – moments where you have income coming in, just not in time for this month’s commitments. For example, you might be waiting on invoices to come through and want to avoid long loan application processes or expensive short-term loans.
Common use cases include:
- Payroll squeezes. You are waiting for invoices to settle, but salaries are due at the end of the month. Streaming receivable invoices covers the gap without requiring a loan or drawing on a credit card.
- New contract with upfront costs. You have won a contract but need to fund materials, contractors or upfront spend before the first milestone invoice arrives. Triver allows you to start work without slowing the schedule by streaming previous or the complete job’s invoices.
- Recurring bills against long terms. VAT, rent or paying a supplier fall due while a sizable invoice sits on 60- or 90-day terms. Streaming gives you a simple bridge so you can cover predictable outgoings without committing to a longer-term facility.
Cashflow Streaming allows you to bridge short-term cash shortage by accelerating your customer payments and can sit alongside your existing overdraft or other borrowing.
How does it work?
Simply connect Triver to your accounting software, such as Xero, Sage or QuickBooks. Triver then reviews your data in real time using Open Banking and accounting integrations, and pre-approves the invoices that qualify – so you can see what is available to stream before you actually need it. Funding decisions are ready ahead of time, there is no need for uploads or spreadsheets.
When needed, simply choose an approved invoice and request an advance. Funds arrive the same day, and often within minutes. When your customer pays, Triver collects the repayment by direct debit and updates your accounts with the repayment and fee automatically.
You stay in control of which invoices to stream and when, while the assessment, funding and reconciliation run in the background. Advances, fees and repayments are recorded in the same system as sales and bank data.
If your accounting doesn’t connect, no problem. You can just request advances by uploading your invoices on the dashboard.
Cashflow Streaming vs other financing options
Cashflow Streaming is designed to be used alongside overdrafts, loans and invoice finance. Below you can see how short-term options compare on cost, process and fit, to decide what’s right for you at any given moment.
Business overdraft
- What it is: A revolving bank credit facility you draw on when needed.
- Best for: Small day-to-day cash swings and short-term buffers.
- Typical Costs: Often around 10%-25% range, plus 1-2% arrangement fees.
- Considerations: Easy to use but often not sufficient to cover cashflow needs.
Short-term business loan
- What it is: A fixed lump sum repaid over 6-12 months.
- Best for: Planned investment, equipment, refurbishment, or a defined growth initiative.
- Typical Costs: Usually with sizeable upfront arrangement fees and 18-70% APR with faster lenders
- Considerations: Often requires a personal guarantee and paperwork. Not flexible to adjust for just what you need in the short-term.
Invoice factoring
- What it is: A provider advances cash against invoices and may manage collections.
- Best for: Businesses with large, ongoing debtor books.
- Typical Costs: Usually a service fee plus discount fees; all-in can range from 2-10% of the invoice value depending on sector
- Considerations: Requires trust account set up and invoices verified with customers. Cumbersome, usually slower to set up With lenders very selective about who the buyer is.
Triver Cashflow Streaming
- What it is: On-demand funding from invoices you have already issued.
- Best for: Short-term cashflow gaps where you want speed and control.
- Typical Costs: One simple daily fee per transaction, starting from 0.06%. No set-up fees, no ongoing account fees.
- Considerations: Best for instant cash, not long-term borrowing or full-ledger finance.
Is Cashflow Streaming right for you?
Today, Triver focuses on B2B invoices in GBP, issued to UK companies or public bodies, with a clear future due date. Typical eligibility ranges include terms of 10–120 days and advances of up to £100,000 per invoice, with final criteria confirmed in the product as policies evolve.
Triver uses your accounting and banking data to understand your business and the invoices you issue. That keeps access simple and predictable, within clearly defined limits, and avoids lengthy paperwork that often comes with traditional borrowing.
Cashflow Streaming is most helpful if several of these statements ring true:
- You regularly wait 30 to 60 days or longer to be paid while salaries, suppliers and tax fall due monthly.
- Long-payment terms with your customers have an outsized impact on your monthly cash position.
- You prefer on-demand tools you can turn on and off, rather than standing facilities you rarely draw down.
- You already use Xero, Sage or QuickBooks and would like fewer manual uploads and reconciliations around funding.
- You prefer simple, fair, transparent pricing and to pay for only what you use
If that sounds like your business, Cashflow Streaming is worth exploring as part of your financial toolbox. It gives you a new way to receive the cash you’ve earned at the pace you actually operate. Find out more and get set up here.
