Girvo reads the accounting you already use, and prices an advance against any invoice you've issued — in seconds, with the reasons in plain English. No forms, no statements, no waiting a week to hear back.
Read-only access when we launch · nothing to pay to find out
Repaid when your customer settles the invoice.
This is the flow we've built and run end to end. What's outstanding is the funding partner that moves the money at step four.
Sign in with Xero or QuickBooks and link your bank. Read-only, and you can disconnect whenever you want.
Who owes you, who pays on time, how fast cash actually arrives. That sets your limit and what each invoice is worth.
In your account, or through your own AI assistant if you use one. Same engine, same answer, in seconds.
One page, signed by you. Funds move through our banking partner — the piece we're putting in place now.
If you run your books through an AI assistant, it can connect to Girvo and do the tedious part: notice the gap forming, find the right invoice, get it priced. It cannot move a dollar. Signing is a person, every time, with no setting that changes that.
You set what it may look at and how much it may ask for, and you can cut it off in one click. And if you don't use an assistant, nothing here changes — everything works from your account in a browser.
We'd rather you knew exactly what exists before you give us your email. This is the honest state of the company as of July 2026.
Most lenders give you a decline and a phone number. Every Girvo decision is a set of specific reasons — which customer, which number, which threshold — because the decision is made by a rule we can show you.
It also means you can fix things. "This customer is 38% of what you're owed" isn't a rejection; it's a map.
You'd be giving a lender a view into your business. You should know how far that view reaches before you click anything — including today, when all we're asking for is an email.
Today the waitlist asks for an email and a few facts about your business. Nothing connects to anything until you decide it does.
Four questions. They're the same facts our engine would read from your accounting, so answering them tells us whether we can help you and roughly where you'd land.
We'll come back to you personally — not with a newsletter. If we can't help, we'll say so and tell you who can.
Once our US banking partner is live and the round is closed. We're not going to give you a date we can't hold — but everyone on the waitlist finds out the moment it changes, before it's announced anywhere else.
For most facilities, no — you'd keep collecting as normal and repay us when they settle. If a facility ever required notifying a customer, we'd tell you before you signed, not after.
The cost keeps accruing at the same rate until the invoice settles or the outside date is reached. Both numbers sit on the decision in dollars before you sign, so a late payment is never a surprise bill.
That's a conversation, not an automated escalation. The monitoring is built to spot a customer slowing down weeks before it becomes a default, and we'd rather talk to you then.
No. Agent access is optional and off until you turn it on. Everything works from your account in a browser.
We would. Girvo underwrites, funds and services the line and runs the ledger; the money moves through a partner bank. Those are two different things and we'll always name both.
Yes — a repeat founding team that previously built and ran a lending book of around $280M. The engine and ledger on this page are ours and they run. What we don't have yet is a licence-holding US entity and money in the bank to lend, which is exactly what we're working on.
We're building this now, and the businesses on the list shape what we launch with. It takes a minute and you can walk away at any point.