The financial system wasn't built for SMEs. We're changing that.
Britain runs on the real economy. The manufacturers making the products we can't live without. The contractors keeping water flowing, roads open, and trains running. The logistics operators stocking shelves and delivering packages to our doors.
These small and medium-sized businesses (SMEs) keep the wheels of society turning. Yet they're forced to operate within a financial system that works against them.
Chasing invoices instead of growth
Most modern financial systems were never built for SMEs.
Large corporations dictate payment terms that stretch over 90 days after work has been delivered. Banks operate on timelines that don't match the pace of business, while alternative cashflow financing usually comes with high interest rates, upfront fees and cumbersome processes they create more problems than they resolve.
Meanwhile, salaries, supplier bills and tax deadlines arrive every month without fail, leaving millions of businesses in a state of cashflow deficit. Across the UK alone, SMEs have to wait on average 59 days to receive payments1 – capital meant to fund growth trapped in invoices.
"SMEs spend the equivalent of 71 days per year1 just managing cashflow issues," says Triver CCO Gokce Yucealpan. "That's months spent on chasing invoices instead of on innovation and scaling."
When surprise expenses appear or payments arrive late, which is often, good options to plug the gap are sparse: owners either get buried in loan paperwork or forced into a vicious cycle of debt. The very infrastructure that should support SMEs instead ends up penalising them when they need it most.
Money, without the wait
At Triver, we believe business leaders deserve smart financial solutions that remove the barriers to growth. Since launching in 2023, our mission has been to create a new financial model built specifically for SMEs. Now, we're introducing our new brand, representing our progress towards enabling that vision.
Cashflow Streaming is at the heart of this. It allows owners to turn invoices into instant cash without the paperwork, debt or delay of traditional financing. Businesses simply select which invoices to stream, receive funds within minutes and repay automatically when customers settle. By allowing owners to access instant cash without entering into complex contracts, it unlocks the funds they've already earned.
Starting a movement
We don't see Cashflow Streaming as a product, but an entirely new category of financing built around how businesses actually operate.
Fixing payment lags is just the first step towards our goal of releasing over £1 billion in trapped SME liquidity. Our roadmap includes more products that will allow SMEs to utilise the power of their bank and accounting data combined with AI to anticipate liquidity needs ahead of time and better manage their cashflow.
"Consumers today expect everything instantly: from music to shopping and banking. SME finance should be no different. We're bringing that same speed and flexibility to business owners," says Triver’s founder and CEO, Jerome Le Luel.
For too long, business owners’ needs have come last. Triver is changing that by putting SMEs first. Starting in the UK, our ambition is to provide financial certainty to the heroes behind the real economy globally. Our new brand represents the beginning of that movement.
1 Intrum European Payment Report 2025.
