“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.
Triver integrates with Xero.
The Embedded Finance Index 2026 maps 2 layers in Triver's stack: Lending (Cashflow Streaming (invoice finance) and Invoice advance facility up to £700,000); Accounting (Xero).
Triver is founded in 2023 and headquartered in London, England, United Kingdom.
Triver has raised $174.8M in total.
Get a read on where your own stack stands against Triver and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.