Triver
“Can an API-first invoice finance platform become the default embedded working-capital layer for UK SME-facing SaaS and accounting tools?”
Founded in 2023, Triver is an API-first embedded invoice finance platform targeting UK SMEs. Rather than selling direct-to-consumer credit, Triver's strategy is to embed 'Cashflow Streaming' — a non-loan, non-factoring invoice advance product — into the workflows of accounting software (Xero), digital banks, and vertical SaaS platforms such as care-management tools. The company uses Open Banking data and AI models for real-time credit decisions, positioning itself as infrastructure for partners rather than a standalone lender. Its £7M seed and subsequent funding give it enough runway to grow a partner-led distribution model without requiring a large direct sales motion.