4D Credit is the most comprehensive and innovative suite of commercial credit data and insight solutions on the UK market.
Find out more Overcome the challenges of small business lending
Overview: Helping TRIVER support small businesses with instant capital in a click
Helping TRIVER support small businesses with instant capital in a click
When it comes to accessing working capital, small businesses face a number of challenges. Application processes can be lengthy and often require significant paperwork. Even then, once loans are approved, it can sometimes take weeks for businesses to receive the funds, making it harder to service their short-term needs.
But through using advanced data and sophisticated AI, small business working capital provider TRIVER has revolutionised how small businesses access finance, underwriting the risk of small business borrowing in an automated and near-instant way.
Challenge overview
As a new fintech, TRIVER wanted to deliver a seamless process for small businesses wanting access to instant credit. Existing solutions targets larger international enterprises, requiring manual approval processes and slow decision making.
Challenges
- Need to streamline processes
- Reduce manual approvals
- Speed up decision making
View TRIVER Profile
Company Bio:
TRIVER provides small businesses with instant capital in a click. Using Open Banking data and AI models, they are revolutionising how small businesses can access finance.
Their API-first platform is designed to be embedded with the digital service providers of the real economy (accounting software, digital banks, procurement software, etc.). They serve small businesses from any industry, enabling a broad range of partners to offer a flexible capital solution to their small business clients without complexity.
| |
|---|---|
| Founded: | 2023 |
| Specialties: | Fintech, Embedded Finance |
As a new fintech we have the opportunity to build a solution from scratch that fully utilises the latest digital solutions and data availability. Having worked with Experian before we knew that they could provide the expansive data sources to support a fully automated solution.
Solution overview
As well as using Commercial Delphi to streamline the approval process, TRIVER also uses a range of other data-driven solutions to provide operational agility. TRIVER employs Experian’s API services to provide real-time updates across digital channels, giving small businesses and TRIVER’s team, a seamless set of tools. And, by using Experian’s know your customer (KYC) products, TRIVER can offer its clients a rapid end-to-end application and approval process.
Experian’s suite of solutions help TRIVER deliver an end to end customer journey of up to 2.5 minutes.
Find out how Commercial Delphi can help your business
Results
- Quicker access to working capital
- End to end journey in up to 2.5 mins
- Smarter more accurate decision making
Related Products
Not the right solution for your business? Browse all our products
We have solutions we can tailor for your business needs
Speak to an expert
Case Study
From billboards to business outcomes: JCDecaux’s data-driven out-of-home (OOH) planningAs we step into 2026, advertising growth is continuing – but so is pressure to show impact. Recent forecasts from the Advertising Association and WARC suggest UK ad spend will surpass £49 billion, with brands maintaining investment while placing greater emphasis on accountability and effectiveness.
As pressure grows, out-of-home advertising is evolving beyond visibility alone. By combining real-world spend behaviour with location intelligence, media owners like JCDecaux are turning exposure into evidence, and giving advertisers greater confidence in how OOH drives business outcomes.
See full story >
Case Study
Supporting prevention strategy with Mosaic segmentation for Derbyshire Fire & Rescue ServiceDerbyshire Fire & Rescue Service (DFRS) partnered with us to strengthen its prevention strategy using Mosaic UK household insights segmentation.
By building a Risk Stratification Index (RSI) that combines household-level insight, lifestyle indicators and local incident data, DFRS can prioritise fire safety visits across 500,000+ homes. This data-led approach has supported more targeted, evidence-based prevention planning for over five years, helping the service focus resources where they can have the greatest impact.
See full story >
Case Study
How HelloFresh developed a personalised strategy to optimise their acquisitionHelloFresh had already established direct mail as their best-performing channel. But they wanted to go further – beyond generic messaging – to create truly personalised content that resonated with individual households.
By combining customer data with Experian’s accurate household level insights, HelloFresh has proven that personalisation isn’t just a buzzword – it’s a performance driver.
See full story >
Case Study
Experian Address Validation saves time, improves data accuracy and enhances ZSL member experienceZSL faced delays in membership sign-up and lost renewals due to inaccurate contact data. Experian embedded Address Validation into ZSL’s Tessitura system, ensuring accurate, validated data for seamless member experiences.
See full story >
Case Study
How Nesta built a segmentation framework to identify and engage future heat pump adoptersTo meet the UK’s climate goals, around 3 million homes must switch to low-carbon heating by 2030 – a twelvefold increase from current adoption rates.
Nesta, the UK’s innovation agency for social good, is driving this shift by helping energy, tech, and finance sectors better engage future adopters. But to do that effectively, Nesta need to pinpoint who’s ready to adopt and what’s holding others back.
See full story >
Case Study
Data migration is rarely straightforward, but partnering with Experian is.L&Q, one of the UK’s largest housing associations, focuses on developing affordable homes, managing properties and supporting communities. To handle the extensive data generated from this, L&Q relied on Experian’s services.
By combining migration with data quality efforts, L&Q have experienced a seamless migration and established a strong foundation for future growth.
See full story >