For UK small businesses from any industry, who trade with other businesses on payment terms and want to optimise their cash flow.

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

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

Commercial invoices in Sterling Pound made to companies (not to consumer or sole-trader) registered in the UK that are due to be paid within 10 to 120 days.

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 that gets registered in your credit file is only performed once you have received and accepted an offer from TRIVER.

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.