The money side, in the same place as the work.

Invoices, payment links, chasing, expenses and tax set aside on receipt. Not a separate app you remember to open on a Sunday, but the same system that already knows what you are working on and who owes you for it.

What it handles.

Everything between finishing the work and the money being yours to spend, which is where most of it goes missing.

Invoices that raise themselves

Tracked hours and completed milestones are already on the system, so an invoice is a confirmation rather than a data entry exercise. Unbilled time sits visible on the dashboard until it has been sent.

Built from work already logged

Payment links

Every invoice carries a link the client can pay from without an account, a login or a call to their finance team. Card or bank transfer, and the status updates on your side the moment it clears.

No account needed at their end

Chasing that actually happens

Reminders run on a schedule from the day an invoice passes terms and escalate on their own. The second email is the one nobody sends, so it is the one that is automated.

Escalates without being asked

Tax held back on receipt

A percentage you set is separated the moment money lands, before it reads as spendable. The balance you see is the balance you can actually use, which removes the January problem at source.

Separated, not just calculated

Expenses as they happen

Photograph the receipt, attach it to the project it belongs to, and it is categorised against the job rather than a month. Project margin stops being something you work out afterwards.

Attached to the work, not the month

A cashflow read you can trust

What is committed, what is invoiced, what is overdue and what is genuinely available, against the work already scheduled. Not a bank balance, which tells you where you were rather than where you are going.

Forward-looking, not a statement

The number thatactually matters.

A bank shows you a balance. It cannot know that a third of it is tax, that two invoices are late, or that next month is already sold. The platform does, because the work and the money are the same record.

In the accountThe figure a bank would show you

Held for tax on payments receivedNot yours

Invoiced and past termsChasing

Delivered, not yet invoicedUnbilled

Committed against work scheduledSpoken for

Actually available to spendThe figure you need

The platform shows the bottom line rather than the top one. It is the difference between knowing what arrived and knowing what you can commit to.

Funding built on whatyou have actually done.

Early ventures get assessed on personal credit history, time trading and a set of thresholds designed for businesses that look nothing like theirs. The evidence they do have, that customers keep paying and the work keeps landing, is usually the part nobody asks for.

Revenue history as evidence

Every invoice raised, paid and chased through the platform builds a verifiable trading record. Not projections and not a spreadsheet you assembled the night before, but what happened, dated and attributable.

Observed rather than declared

Delivery as much as income

Work shipped on time, milestones signed off by clients and repeat business from the same names say more about whether you will still be trading next year than a credit file does.

Consistency, measured over months

Ready before you need it

The record is being built while you work rather than assembled in a panic when a cashflow gap opens. When something does need funding, the evidence is already there in a form someone else can read.

No scramble at the deadline

Yours to take elsewhere

Export the trading record whenever you want it, in a format a lender, an accountant or an investor can use. It is your history. Nothing about it is locked to staying on the platform.

Exportable at any point

Lending and capital provision are regulated activities in the UK. This describes the record the platform builds and how it can be used, not an offer of credit.

Where the line sits.

Anything touching money deserves a straight answer about who holds what. This is it.

Foundium is not a bank. It does not hold your money, and it is not a party to the agreement between you and your client.

Payments run through a regulated provider

Money moves through an authorised payment provider, under their permissions and their safeguarding rules. Card details are handled by them and are never stored by us.

Authorised provider, not us

Chasing is a reminder, not enforcement

Automated chasing sends the emails you configured on the schedule you set. It is not debt collection, it does not act on your behalf, and it stops the moment you tell it to.

You stay in control of the relationship

Tax set-aside is a budgeting tool

It separates a percentage you choose so the money is visible as committed. It does not calculate your liability, file anything or constitute tax advice, and your obligations to HMRC remain entirely yours.

Separation, not accounting

Your client data stays yours

Names, contact details and payment status belong to you. They are never visible to an adviser, an institution or a brand partner, and no setting anywhere changes that.

Never shared, at any tier

Get paid withoutchasing it yourself.

The invoicing, the chasing and the set-aside run from the same place as the work they came from.

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