Before you send an invoice,
verify the payment terms won't expose you to loss.
LURVO evaluates your situation and determines the payment structure required to reduce the risk of delayed or failed payments.
Built on fixed financial risk rules. Not opinions.
DECISION ENGINE
Client Risk Signals
• New client relationship
• No upfront payment
• Net 30 requested
• High project exposure
LURVO Decision Engine
• Risk signals aggregated
• Protection rules applied
• Payment structure determined
Payment Structure
• Upfront payment required
• Reduced payment terms
• Milestone-based delivery
Invoice with Locked Payment Terms
Takes under 2 minutes
No account required
One structured decision
Most payment problems begin before the invoice is sent.
Independent professionals and solo businesses rarely lose money because of the work itself.
They lose money because of weak payment terms.
Extended payment terms, unclear agreements, or delivery before payment transfer financial exposure to the independent professional or solo business.
Once the work begins, your leverage disappears.
LURVO helps you structure the payment before that happens.
Payment terms are financial risk controls.
The structure of payment determines who carries the financial exposure.
Weak payment terms allow clients to delay or avoid payment.
When payment terms are poorly defined, independent professionals and solo businesses effectively finance the project themselves.
LURVO evaluates the situation and determines the payment structure required to protect cash flow.
A structured decision process.
Step 1 — Describe the situation
Answer eight short questions about the client relationship, project structure, and payment expectations.
Step 2 — Risk is evaluated
Financial exposure signals are evaluated using fixed financial risk rules.
Step 3 — Payment structure determined
The system determines the payment structure required to reduce financial exposure.
Step 4 — Invoice generated
The decision is applied directly to the invoice, with the payment terms locked by LURVO.
A payment decision becomes an invoice with locked payment terms.
Once the decision is determined, LURVO produces an invoice that applies the payment structure set by the system.
LURVO determines and documents the payment structure. It does not collect client invoice payments or guarantee legal enforceability between you and your client.
Protect your work before financial exposure begins.
Built for real payment-risk situations.
Invoice and business-management tools help execute the terms you already chose. LURVO is designed to determine the payment structure before you commit to those terms.
The moment before you send the invoice.
Every project eventually reaches the same moment.
The work is defined.
The price is agreed.
The invoice is about to be sent.
At that moment, one question determines whether the work is financially protected.
Are the payment terms protecting the work —
or exposing it?
Payment terms determine who carries the financial exposure during the project. LURVO applies fixed financial risk rules to determine the payment structure required to reduce that exposure before the invoice is sent.