TRIVER and Experian join forces to boost lending to small and medium sized businesses

Suite of Experian data solutions enable a seamless onboarding journey and near-instant automated approvals

UK, 20th May,: Businesses looking for short-term capital can access funding in rapid time thanks to a new partnership between Experian and alternative lender, TRIVER.

TRIVER aims to revolutionise the SME lending process by underwriting the risk of small business borrowing quickly and easily, providing advances on business invoices at any time.

To meet that goal, it has now deployed a host of Experian data solutions to offer an end-to-end automated application and approval journey which can be as quick as six minutes.

SMEs face a number of challenges when it comes to accessing borrowing, including lengthy application processes, the requirement for significant paperwork to be submitted, and often then a substantial wait between the loan being approved and receiving the funds.

Eduardo Castro, Managing Director, Business Information, Experian UK&I, said: “SME business lending is a vital component to the success of the economy but latest figures shows that gross lending fell by more than a fifth in 2023.

“By using Experian data and solutions, we are helping TRIVER support their customers in a way that was previously not possible, deploying technology to make a real and tangible difference to businesses across the country.”

Jenny Holt, Chief Risk Officer, TRIVER, said: “As a new fintech we have the opportunity to build a solution from scratch that fully utilises the latest digital solutions and data. We knew Experian could provide the expansive data sources to support a fully automated solution.

“It is a real gamechanger, and empowers us to make smarter and more accurate decisions in the approval process. All we need to ask of businesses is their name and which of the directors is applying for funding, and we can approve applications in just a few minutes. It is a vital tool for us to go live and to identify those small businesses we can support.”

Solutions TRIVER will be using include Commercial Delphi Generation 6 -Experian’s newest commercial credit risk score used to calculate the viability of businesses over a 12-month period - Commercial Credit Bureau data, the market-leading source of information on British businesses and their financial health and Know Your Customer (KYC) products.


To find out more about Experian Commercial Bureau and Delphi Generation 6 visit:

Media contact:

Robert Goodman, PR Manager, Corporate & Business, UK&I, Experian

Tel: +44 7989 398 498 / Email:

About Experian

Experian is a global data and technology company, powering opportunities for people and businesses around the world. We help to redefine lending practices, uncover and prevent fraud, simplify healthcare, deliver digital marketing solutions, and gain deeper insights into the automotive market, all using our unique combination of data, analytics and software. We also assist millions of people to realise their financial goals and help them to save time and money.

We operate across a range of markets, from financial services to healthcare, automotive, agrifinance, insurance, and many more industry segments.

We invest in talented people and new advanced technologies to unlock the power of data and innovate. As a FTSE 100 Index company listed on the London Stock Exchange (EXPN), we have a team of 22,500 people across 32 countries. Our corporate headquarters are in Dublin, Ireland. Learn more at


Using AI and Open Banking, TRIVER offers frictionless cash flow financing. TRIVER was founded in 2022 by fintech experts to solve the funding gap for small businesses.  Having created the very first fully automated invoice finance platform, TRIVER turns receivables into cash flow in a click, 24/7. The TRIVER platform also enables embedded finance without complexity, using simple connections via APIs, allowing capital deployment at point of need. For more information, visit