Triver

Triver, registered as TRIVER LTD, is a UK fintech lender providing digital invoice advance facilities designed to help businesses manage working capital, Triver uses automated risk assessment to offer instant funding against B2B invoices.

Rather than operating as a traditional lending institution, Triver positions its core offering as "Cashflow Streaming". This service allows eligible businesses to access funding tied up in unpaid customer invoices through direct, broker, and embedded partner channels.

What Business Finance Products Does Triver Offer?

Triver specialises in digital Invoice Finance, which it markets under the product concept of Cashflow Streaming. While its underlying capabilities support invoice discounting and selective invoice finance, Triver explicitly states that it is not a traditional loan or factoring provider. Instead, its digital platform functions as an automated invoice advance facility.

As the lender of record, Triver integrates automated risk assessment technology to evaluate submitted invoices and deliver instant funding upon approval. By providing selective invoice finance alongside broader invoice discounting specialisms, Triver allows commercial entities to obtain advances on specific B2B invoices without requiring a traditional comprehensive facility structure.

Who Is Triver Best Suited For?

Triver focuses strictly on established business-to-business (B2B) companies registered in the United Kingdom. To qualify for a facility, a business must meet the following baseline requirements:

• Entity Type: Must be a registered UK limited company or a Limited Liability Partnership (LLP).

• Trading History: Must have been actively trading B2B for over 2 years.

• Turnover: Must maintain an annual turnover exceeding £100,000.

• Payment Terms: Invoices submitted for funding must carry payment terms between 10 and 120 days.

Certain exclusions apply to applicants and invoice recipients. Sole traders are entirely ineligible for Triver facilities. Additionally, Triver cannot fund invoices issued to sole traders, private individuals, or charities. The funding model is designed exclusively for commercial transactions between B2B businesses.

Eligibility and Deal Sizes

Triver offers flexible deal sizing designed around individual invoice amounts as well as total business facilities:

• Minimum Deal Size: Funding starts from £100.

• Per-Invoice Funding Limits: Individual invoice advances range from £100 to £100,000.

• Maximum Facility Limit: Total combined facilities for a business extend up to £1,000,000.

This structure allows growing UK SMEs to advance single smaller invoices or expand their funding capacity up to £1,000,000 as their overall commercial turnover grows.

How to Access Funding from Triver

Businesses looking to access Triver's Cashflow Streaming facilities can do so through several distinct channels:

• Direct Application: Business owners can apply directly online through Triver's official website at https://triver.com/.

• Brokers: Commercial finance brokers can introduce eligible clients to Triver facilities.

• Intermediaries and Partners: Financial intermediaries and embedded partner channels also offer integrated access to Triver's advance platform.

Because Triver utilizes automated risk evaluation, the onboarding process is designed to be efficient for eligible UK companies.

Comparing Your Finance Options with SME Money

Selecting the right invoice advance solution is essential for managing working capital while securing terms appropriate for your business model. While Triver provides a modern Cashflow Streaming product for UK limited companies and LLPs, exploring the broader market allows business owners to evaluate all available options.

SME Money is a UK business finance technology provider that connects SMEs with specialist brokers who search over 100 lenders. Rather than relying on a single lender or traditional bank, SME Money helps you compare funding facilities neutrally. Whether you require selective invoice finance, full invoice discounting, or alternative working capital solutions, specialist brokers can help you find the right funding for your business.