How Orthrus works, start to finish.

Orthrus turns an approved client invoice into cash within 72 hours. Here's exactly what happens at each stage, what you need to qualify, and what it costs.

Submit an invoice

At a glanceLive

Up to 90%advanced against each invoice you submit

72 hoursfrom approval to funds in your account

£3,000minimum invoice value

One feeper invoice, capped at 10% of its value

The process, step by step.

Five stages from submitting an invoice to receiving the balance. You stay in control of which invoices you fund, and the cost is fixed before you commit to any of them.

01

Submit the invoice

Send a single approved invoice through your Orthrus account. Upload the PDF or sync it from Xero, QuickBooks or Sage. You choose which invoices to submit — there's no obligation to fund anything else.

PDF upload or accounting sync

02

We verify it

We confirm the invoice with your client's accounts team and run standard identity and anti-fraud checks. Most invoices are verified within one working day.

Confirmed with your client

03

You receive up to 90%

Once the invoice is verified, up to 90% of its value is transferred to your account — within 72 hours of approval.

Funded within 72 hours

04

Your client pays Orthrus

Your client settles the invoice with Orthrus on their normal payment terms. We handle collection, so chasing is off your desk.

We collect on your behalf

05

The balance is released

When your client pays, we release the remaining balance to you, less one agreed fee. That fee is the only cost — and you saw it before you submitted.

Balance released, less one fee

What you need to qualify.

Orthrus funds completed work invoiced to established business clients. If your invoice meets the points below, it's almost certainly eligible.

Completed, accepted work. The job is delivered and your client has approved the invoice.

A UK or European business client. The invoice is addressed to an established company, not a consumer.

£3,000 or more. A single invoice at or above the minimum value.

Standard commercial terms. Payable on normal terms, typically 30 to 90 days.

Work that is still in progress or hasn't yet been delivered.

Invoices that are in dispute, or already past their due date.

Invoices addressed to a private individual rather than a business.

Your client is told — and that's normal.

Orthrus is disclosed invoice funding. Your client pays the invoice to us instead of to you, so they receive a short, standard notice. Here's what that means in practice.

01

A standard notice of assignment

We send your client's accounts team a brief notice that the invoice is now payable to Orthrus. It's a routine document their finance team will have processed many times before.

02

New payment details, nothing else

The only change for your client is the account they pay into. The amount, the due date and the terms all stay exactly as you agreed them.

03

Your relationship is untouched

You keep the client, the contact and any future work. Orthrus handles the payment; you handle the relationship.

What it costs, tier by tier.

Your fee is set by two things: the size of the invoice and how long your client takes to pay. Larger invoices and shorter terms cost less. Every rate below is published — nothing is decided after you submit.

Invoice value

30-day terms

60-day terms

90-day terms

£3,000 – £14,999

5.0%

7.5%

10.0%

£15,000 – £49,999

4.0%

6.0%

9.0%

£50,000 – £149,999

3.0%

4.5%

7.0%

£150,000 and above

3.0%

4.0%

6.0%

The total fee on any one invoice is capped at 10% of its value. No setup fees, no monthly minimum, no charge to onboard. A £30,000 invoice on 60-day terms costs £1,800 — you receive £27,000 within 72 hours, then £1,200 when your client settles.

Process questions.

What people ask once they've decided Orthrus is a fit and want to know how the mechanics work.

01How long does the whole process take?

Onboarding is a one-off and usually takes a few working days. After that, a submitted invoice is typically verified within one working day and funded within 72 hours of approval.

02What do I need to submit an invoice?

The invoice itself, confirmation that the work is complete, and basic details of the client it's addressed to. If you use Xero, QuickBooks or Sage, you can sync the invoice directly instead of uploading it.

03Can I submit more than one invoice?

Yes. You can submit invoices one at a time or several together. Each is assessed and priced on its own — there's no whole-ledger commitment and no minimum number.

04When exactly do I pay the fee?

You don't pay anything up front. The single agreed fee is deducted from the balance when your client settles the invoice — so the cost only ever comes out of money you were owed.

05What if my client pays early?

The fee you were quoted doesn't change. If your client pays ahead of their terms, your balance is simply released sooner.