Triver Reviews

Triver offers fast, transparent invoice finance to UK SMEs with instant cash flow streaming, minimal paperwork, fair fees, and seamless accounting software integration.

Here are the Trustpilot Reviews from Triver:

Here are the Reviews from Triver:

TRIVER services provided are amazing, such a simple and transparent experience with them. Also any questions you may have, you can call and they respond very professionally.

Raymond Turner

Triver offer a fantastic solution to support cashflow. AND on the occasion you need to call them, you get actual human interaction. No endless AI - people who are there to work and advise you, they get things done. Their fees work out less than the high street banks and they have an easy to use system.

Giles A. Beech

Absolutely Brilliant! Took 5 minutes to set it up. Money was in my company account within an hour, for my first invoice finance request. Excellent way to prop up companies cash flow where required. Much better than a loan!

Hayley G.

A great mix of personal service and technology that actually works!

Julian Berry

Simple and quick - really nice to use compared to the traditional banks or even something as great as Monzo.

Andrew Redman

Fast and efficient service.

David Hewitson

Explore Triver's Finance Solutions:

Unsecured Business Loan

£5,000 - £500,000

Revenue-Based Loan

£5,000 - £250,000

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Explore Triver's Finance Solutions:

Loan Type:

Unsecured Business Loan

Loan Range:

£5,000 - £500,000

Loan Terms:

3 months to 24 months

Minimum Turnover and Trading Age:

Minimum 6 months trading history and £60,000 annual turnover

Interest Rate / Factor Rate:

1.5% - 7% per month (representative APR 79.9% - 1,035%)

Fees:

No arrangement fee; no early repayment fee; late payment fee may apply (typically £12-£15 per missed payment)

Loan Type:

Revenue-Based Loan

Loan Range:

£5,000 - £250,000

Loan Terms:

3 months to 18 months

Minimum Turnover and Trading Age:

Minimum 6 months trading history and £60,000 annual turnover

Interest Rate / Factor Rate:

2% - 8% per month (representative APR 99.9% - 1,500%)

Fees:

No arrangement fee; no early repayment fee; late payment fee of £12-£15

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More About Triver

Triver is a UK-based fintech lender authorised and regulated by the Financial Conduct Authority (FCA). It focuses on providing fast, flexible finance solutions for small and medium-sized enterprises (SMEs) through a fully digital, online-only application process. The lender positions itself as a technology-driven alternative to traditional bank borrowing, with a streamlined digital process designed to simplify business lending.

Key features

Triver operates a digital-first platform with an online application and approval process. Open banking integration gives the lender instant access to business financial data, and an automated decision engine supports rapid underwriting. Each borrower is assigned a dedicated account manager, and the lender is FCA regulated and GDPR compliant.

Fully digital, online-only application process for speed and convenience
Fast decision times, often within hours
Quick funding, with funds typically available within 24-48 hours of approval
Flexible repayment schedules (daily, weekly, or monthly options)
Revenue-based repayments that adapt to cash flow
No early repayment penalties
Transparent fee structure with no hidden charges

Eligibility

Businesses may qualify for Triver’s products if they have at least 6 months of trading history and an annual turnover of £60,000 or more. The lender primarily targets UK-registered limited companies and LLPs, though sole traders may be considered in some cases. Certain high-risk sectors are excluded, including gambling, adult entertainment, crypto-currency trading, pyramid schemes, and other illegal or high-risk activities. Geographic coverage is limited to businesses based in England, Scotland, Wales, and Northern Ireland.

Loan options

Triver offers two main unsecured finance products: an unsecured business loan and a revenue-based loan. Both are designed for short-term working capital needs and do not require property as security. Loan terms are relatively short, and interest rates are higher than those typically associated with secured or traditional bank loans.

Unsecured Business Loan: £5,000 to £500,000. Terms from 3 to 24 months. Interest rates range from 1.5% to 7% per month (representative APR 79.9% to 1,035%). No arrangement fee, no early repayment fee. Late payment fee of approximately £12-£15. A personal guarantee from directors is required.
Revenue-Based Loan: £5,000 to £250,000. Terms from 3 to 18 months. Interest rates range from 2% to 8% per month (representative APR 99.9% to 1,500%). No arrangement fee, no early repayment fee. Late payment fee of £12-£15. Repayments are linked to daily or weekly revenue. A personal guarantee is required. Borrowers must have electronic payment processing and compatible accounting software.

How to apply

The application process is conducted entirely online. Applicants need to provide basic business information and documentation for verification. The lender uses automated underwriting and open banking integration to assess applications quickly.

Complete the online application form with company and director details
Submit 3-6 months of bank statements, proof of ID for directors, and company registration number (VAT number if applicable)
Provide access to accounting software (optional for automation)
Receive a decision typically within 2-24 hours of application
Funds are usually released within 24-48 hours after approval

Funding Agent's view

Triver is a fintech lender that offers flexible, unsecured finance to UK SMEs, with a strong emphasis on digital convenience and speed. Its products may suit businesses that need quick access to working capital, have shorter trading histories, or lack property assets to use as collateral. However, interest rates are high compared to traditional bank loans, and a personal guarantee is required for all products. The maximum repayment term of 24 months makes these loans more appropriate for short-term cash flow needs rather than long-term financing. Borrowers should carefully assess the total cost of borrowing and ensure they meet the minimum eligibility criteria, including the £60,000 annual turnover threshold. This lender is not aimed at startups with less than 6 months of trading or businesses in excluded sectors.