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TRIVER

Provider
Lending

Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 4 companies across 1 category.

triver.com ↗Also analysed as a company — its own stack →
CategoriesLending
Rank#44 of 255 in Lending
Buyers4 companies
HeadquartersLondon, England, United Kingdom
Founded2023
Raised$174.8M

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Founders & story · from TRIVER’s own dossier

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.

Recent developments
  • 2025-06Triver listed on Xero App Store UK, offering invoice finance integrated with Xero accounting, with advances up to £400k. source ↗
  • 2025-09Triver partnership page live with Birdie, embedding Cashflow Streaming into Birdie's homecare SaaS platform. source ↗
Full dossier: TRIVER’s own stack, layer by layer →
Who uses TRIVER
4 companies disclose TRIVER in their stack
Clear BooksFunding CircleSoldoBirdie
Buyer mix · 4 of 4 classified
Fintech / Lending · 1Horizontal SaaS / Accounting · 1Horizontal SaaS / Spend Management · 1Vertical SaaS / Healthcare · 1
UK · 4
What the disclosures say
Clear Books
“clearbooks.co.uk/cash-flow-financing/ — 'powered by TRIVER'; clearbooks.co.uk/insights/financing/ — 'partnered with Capitalise to make it easier than ever for Clear Books users to search and apply for loans'; support.clearbooks.co.uk/support/solutions/articles/33000267589-capitalise-integration — Capitalise integration…”
Funding Circle
“Its Marketplace referral programme sends borrowers it cannot fund to a named panel of 30+ third-party lenders listed on the /marketplace-partners/ legal page, including Iwoca, Fleximize, White Oak, Aldermore, Time Finance, Nucleus, YouLend, Haydock, Ultimate Finance, Allica, Bibby, Shawbrook, United Trust Bank, Lloyds,…”
Soldo
“Soldo's /en-gb/triver/ page announces partnership with TRIVER for instant invoice financing up to £250,000 for UK SMBs, with Soldo customers turning unpaid client invoices into cash flow.”
Birdie
“TRIVER's dedicated landing page at triver.com/birdie explicitly names the partnership: 'We have partnered with TRIVER because they share our commitment to supporting small businesses' — quote attributed to Max Parmentier, CEO at Birdie.”
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Alternatives to TRIVER

Other Lending providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.

Affirm65 buyers →Klarna55 buyers →YouLend46 buyers →Mambu36 buyers →Stripe Capital33 buyers →Wisetack27 buyers →Liberis21 buyers →Afterpay16 buyers →
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Ranked #44 of 255 in Lending — Embedded Finance Index 2026
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TRIVER — frequently asked

Which companies use TRIVER?

4 companies are linked to TRIVER in the Embedded Finance Index 2026, through their own public disclosures or TRIVER's published customer list, including Clear Books, Funding Circle, Soldo and Birdie.

What does TRIVER do?

TRIVER is an embedded-finance provider in Lending. It ranks #44 of 255 Lending providers by linked companies.

What are the alternatives to TRIVER?

The most-named Lending alternatives to TRIVER are Affirm (65 buyers), Klarna (55 buyers), YouLend (46 buyers), Mambu (36 buyers), Stripe Capital (33 buyers) and Wisetack (27 buyers).

Where is TRIVER headquartered?

TRIVER is founded in 2023 and headquartered in London, England, United Kingdom.

How much funding has TRIVER raised?

TRIVER has raised $174.8M in total.

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