Orthrus is a fintech platform that lets B2B businesses convert approved invoices into immediate cash, advancing up to 90% of the invoice value within 72 hours. The company charges a transparent, one-off fee per invoice, with rates starting at 3% depending on invoice size and client payment terms. Unlike traditional factoring, Orthrus requires no long-term commitment, allowing users to submit individual invoices on demand.
Funding
Funding not disclosed
Founders
Product
Problem
B2B businesses often wait 30 to 90 days for clients to pay approved invoices, forcing them to finance operational costs out of pocket in the meantime. This cash-flow gap can stall growth, delay payroll, or require expensive short-term borrowing, even when the work has been completed and accepted.
Solution
Orthrus provides invoice-based funding that lets businesses receive up to 90% of an approved invoice's value within 72 hours, without requiring a long-term contract or minimum monthly volume. Users submit a single invoice through the platform—either by uploading a PDF or syncing from Xero, QuickBooks, or Sage—and Orthrus verifies the client and runs a quick eligibility check. Once approved, the business receives the advance directly, and when the client settles the invoice on their normal terms, the remaining balance is released minus a single, transparent fee. The fee is shown upfront before any commitment, and it varies based on invoice size and the client's payment terms, with larger invoices and shorter terms costing less.
Target Audience
Primary customers are small and mid-sized B2B businesses in the UK and Europe, particularly in creative and professional services, that regularly face long payment terms and need faster access to cash flow without taking on debt.
Features
- Advance up to 90% of invoice value within 72 hours of approval
- No setup fees, no monthly minimums, and no whole-ledger contracts—use the service per invoice
- Fee structure ranges from 3% to 10% of invoice value, capped at 10%, with lower rates for larger invoices and shorter payment terms
- Integration with Xero, QuickBooks, and Sage for direct invoice syncing, plus manual PDF upload
- Minimum invoice value of £3,000, with eligibility for invoices addressed to established UK or European businesses
- 48-hour response time on submissions, with a clear yes/no and exact fee quote before any obligation