Treyd vs Playter: pay your supplier now, repay once
Playter spreads a bill over 3 to 12 monthly installments, starting the following month. Treyd pays your supplier directly, in their currency, and you repay once — on a date you choose, up to 120 days later. Nothing leaves your account in between.
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One repayment at the end, not twelve along the way
Both can help you keep more cash in the business while you buy stock. The big difference is when that cash starts going back out. With an instalment plan, repayments start the following month. With Treyd, nothing leaves your account until the date you chose — giving your stock time to arrive and start selling first.
Treyd
1
repayment — the invoice plus the fee, on the date you choose.
months 1–2 · being made and shipped
months 3–4 · selling
months 5–12 · sold through
Nothing leaves your account until the date you chose — 30, 60, 90 or 120 days out. Repay earlier and the fee stops there. And if you haven't used your Treyd limit, it costs you nothing.
A 12-month instalment plan
12
repayments — one every month, starting next month.
months 1–2 · being made and shipped
months 3–4 · selling
months 5–12 · sold through
Split the same £100,000 across 12 equal monthly instalments and that's roughly £8,300 going out each month, plus cost. In this example, two repayments are due before the goods have even arrived — and you're still repaying the purchase for months after the stock has sold through.
An illustration, not a quote. This example assumes a 16-week order — eight weeks being made and shipped, then eight weeks selling — against a £100,000 supplier invoice split over 12 equal monthly instalments, shown here on a monthly grid. The divider marks the end of a 120-day Treyd term. Playter's own instalment options are shorter in some cases: PlayterPay runs over 3, 6, 9 or 12 months and PlayterBoost over 2 to 12. Your terms will differ — compare the actual terms offered by each provider.
The fee isn't the only number
The headline rate matters. But so does what happens to your cash after you take the funding. With an instalment plan, repayments start the month after you draw the funds, so the amount of capital left in your business falls every month. With Treyd, you choose a repayment date and the full amount stays available until then.
Take a £100,000 bill and spread it over 12 monthly instalments. That's about £8,300 leaving your account every month, plus cost. You start with the full £100,000, but the amount left in your business gets smaller with every instalment. Across the year, the average available balance is roughly £54,000.
Treyd
Month 1Month 12
£100,000 stays available until the repayment date you chose
A 12-month instalment plan
Month 1Month 12
≈£54,000 available on average as you repay
Treyd's fee on the same £100,000 is a flat 1.4–3% per month of the amount financed — on a 120-day term, 5.6–12% in total, or £5,600 to £12,000 — with the full £100,000 staying in your business until the date you chose. Over a full twelve months the two aren't comparable: a plan priced from 10% p.a. will usually cost less overall than four Treyd terms back to back. Treyd is built for the shorter gap — the time between paying your factory and selling the goods — not for carrying a balance for a year.
A useful way to compare quotes. Put three numbers next to each other: the total cost, when the first repayment is due, and how much capital stays available during the period you actually need it. That gives you a more useful comparison than putting one headline rate against another.
Illustrative, using a £100,000 bill over 12 equal monthly instalments and Treyd at 1.4–3% per month. Playter publishes "rates from 10% p.a. (Direct Representative 14.9% APR)" and, for Boost, "prices start at 1.5% per month"; PlayterPay runs on a subscription cost model priced per business, so your own number comes on application. No effective cost is calculated for Playter here because the published figures are starting rates rather than a quote. Compare both over the same number of months, including when repayments begin and how much capital stays available to you.
Treyd vs Playter, side by side
Both can free up cash for stock. Treyd pays your supplier directly. Playter either settles the bill through PlayterPay or, with PlayterBoost, puts the cash in your account for you to spend.
| Compared on | Treyd | Playter |
|---|---|---|
| Who receives the money | Your supplier, paid directly in their own currency at a rate shown before you commit |
PlayterPay: Playter settles bills and invoices you upload, and can pay suppliers in most countries with embedded FX. PlayterBoost: cash lands in your business account and you pay the supplier yourself. |
| What it funds | Supplier invoices across your trade cycle — inventory and raw materials, freight and marketing spend — plus advances on invoices you've issued to your customers |
Almost any business bill — stock, VAT, assets, marketing spend, software. Boost can be used "for practically anything." |
| How you repay | One payment, on a date you choose |
Monthly instalments. PlayterPay: 3, 6, 9 or 12. PlayterBoost: 2–12, up to 12 months. |
| When repayments start | On your chosen date, 30–120 days out. Nothing before then. |
The month after you draw the funds |
| Term | 30 / 60 / 90 / 120 days, chosen invoice by invoice |
3–12 months |
| Pricing published | Yes — a flat 1.4–3% per month of the amount financed. On a 90-day term, 4.2–9% in total, shown on each invoice before you confirm it. |
Partly — "rates from 10% p.a. (Direct Representative 14.9% APR)", and "prices start at 1.5% per month" on Boost. PlayterPay runs on a subscription cost model that varies by risk, amount and duration; your own number comes on application. |
| Maximum | Up to £2m on payables and up to £2m on receivables — £4m across both |
PlayterPay: up to £1m. PlayterBoost: up to £500,000. |
| Equity | Neither takes equity in your business. |
|
| Personal guarantee | Sometimes part of the facility, depending on its size and structure — we'll tell you up front if it is |
Required on every Boost loan, and you need to be a UK homeowner with enough equity in your property to cover it. Sometimes asked for on PlayterPay too, plus corporate guarantees inside a group. |
| Paying overseas suppliers | Paid directly in their local currency, at an exchange rate shown before you commit. Your supplier doesn't need an account with us or to have heard of us. |
PlayterPay can pay suppliers in "the vast majority of locations around the world" with embedded FX; rates aren't published |
| Speed | Onboarding in as little as a few hours; suppliers paid within 24h of approval |
A decision in 24 hours, or "in just a few minutes" once open banking and cloud accounting are connected; funds within 24h of accepting |
| Where your business can be based | UK, Ireland, Sweden, Denmark, Norway and Finland |
UK businesses, trading 12 months or more. Boost also needs £250k+ turnover and a UK Limited company. |
| Who you're dealing with | An independent payment institution, regulated by Finansinspektionen in Sweden |
Owned by Shawbrook since December 2025. Since 6 May 2026, Shawbrook's new unsecured business lending is originated through Playter. |
| Support | A named account manager and a human team you can reach |
Self-serve platform with email and phone support, plus a broker channel |
| Built for | Product businesses paying suppliers — wholesale, DTC, retail, importers |
UK SMEs of all kinds funding bills, VAT, assets and growth spend |
On pricing. PlayterPay's cost is quoted per business rather than published as a rate card, so there isn't a like-for-like number to put next to ours. The useful comparison is Treyd's 1.4–3% per month against the quote Playter actually gives you, over the same period.
Built in
Works differently
Rows without a mark are descriptive differences, not scores.
Comparison based on publicly available information, last reviewed 11 September 2026. Playter details sourced from its own product pages for PlayterPay and PlayterBoost, its licensing and regulation page, and Shawbrook's announcements of 8 December 2025 and 6 May 2026. Playter offers more than one product; where a row above refers to a particular one, it says so. Some terms aren't published, and those cells say so rather than using an estimate. Treyd is not affiliated with Playter or Shawbrook. Terms change — check current terms with each provider before you decide. Spotted something out of date? Tell us and we'll fix it.
Why product brands pick Treyd
When growth moves faster than cash, you need funding that solves the actual problem: paying suppliers before your customers pay you.
Repay a fixed amount on a date you choose — 30 to 120 days out. No slice taken from every day's sales, so your cash flow stays predictable.
Fund stock and orders without dilution. Your limit grows as you do, and repaying early frees it up to use again.
Yuv: how a beauty-tech brand buys inventory without tying up cash
Yuv makes smart, pay-per-use hair color for salons. Its margins are healthy — but its cash kept getting stuck in a long, multi-country supply chain. Here's how Treyd helped Yuv pay suppliers upfront and repay once stock sells, keeping cash free as it scales from the UK to the US.
When Playter might be the better fit
We'd rather give you the useful answer than pretend Treyd fits every situation. There are cases where Playter could make more sense:
- You need longer than four months. Treyd tops out at 120 days. If your stock takes a year to sell through, a 12-month plan could fit the cash cycle better — and will probably cost less than rolling several short Treyd terms.
- The bill isn't something Treyd funds. VAT, software, agency retainers, a van or a machine, for example. Playter can fund a broader range of business costs.
- You want your borrowing inside a wider bank relationship. Since May 2026, Playter has been the platform Shawbrook uses for new unsecured business lending.
- You want the cash in your own account. With PlayterBoost, the funds land with you and you decide where they go. With Treyd payables financing, we settle the approved supplier invoice directly.
But if your cash gets stuck between paying suppliers and getting paid by customers — and you'd rather give the stock a chance to arrive and sell before you repay — that's exactly the gap Treyd is built for.
Treyd vs Playter: common questions
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