The commercial side,
fully integrated.
Invoicing, payment collection, arrears recovery, expenses and tax provisioned on receipt. All within the system that already holds your projects and the agreements behind them.
From delivered work
to cleared funds.
Every step between completed work and cleared funds, which is where most of the value is lost.
Invoices that raise themselves
Tracked hours and signed-off milestones are already on the system, so an invoice is a confirmation. Unbilled time stays visible until it is sent.
Payment links
Every invoice carries a link the client can pay from without an account or a call to their finance team. Status updates the moment it clears.
Recovery that actually happens
Reminders run 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.
Tax held back on receipt
Twenty per cent, the UK basic rate, or a figure you set. It is separated the moment money lands, before it reads as spendable, which removes the January problem at source.
Expenses as they happen
Photograph the receipt and it is categorised against the job rather than a month. Project margin stops being something you work out afterwards.
A liquidity read you can trust
Committed, invoiced, overdue and available, against the work already scheduled. Not a bank balance, which tells you where you were.
Your true
available position.
Your bank reports one figure. Foundium separates the tax you have set aside, the funds already committed and the balance you can actually spend.
£15,600 invoiced and past terms, currently in recovery. £10,200 delivered and not yet invoiced.
View as a table
| Position | Amount |
|---|---|
| In the account | £55,200 |
| Held for tax on payments received, at 20% | −£11,040 |
| Committed against work scheduled | −£18,450 |
| Available to spend | £25,710 |
| Invoiced and past terms, in recovery | £15,600 |
| Delivered and not yet invoiced | £10,200 |
Assessed on what
you have actually done.
Early ventures are assessed on personal credit history and thresholds designed for businesses that look nothing like theirs. The evidence they do hold, that customers keep paying, is the part nobody requests.
Trading history as evidence
Every invoice raised, paid and recovered builds a verifiable trading record. Not projections. Recorded events, dated and attributable.
Delivery alongside revenue
Work delivered to schedule and repeat business from the same counterparties indicate more about next year than a credit file does.
Prepared in advance
The record accumulates while you work, rather than being assembled under pressure once a liquidity gap opens.
Portable by design
Export the trading record at any time, in a format a lender or an accountant can work with. Nothing is locked to the platform.
What is yours
remains yours.
Funds move through an authorised payment provider and are never held by Foundium. Your client records remain in your account and are disclosed to no one. Foundium is not a bank, and we would rather state the limits plainly than leave you to discover them.
Payments run through a regulated provider
Money moves through an authorised payment provider, under their permissions and safeguarding rules. Card details are handled by them and never stored by us.
Recovery is a reminder, not enforcement
It 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.
Tax set-aside is a budgeting tool
It separates a percentage you choose, 20% by default, so the money reads as committed. It does not calculate your liability, apply your allowances or file anything, and your obligations to HMRC remain yours.
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.
Receivables, managed
end to end.
Collect sooner, hand the follow-up to the system, and know at any moment precisely what is yours to spend.