About Tervra
A business knows more than a bank statement.
A business account should help you understand your money, as well as see it.
In development · Accounts are not available today
The number is only the beginning.
A bank statement can tell you that a payment arrived. The rest of the story often lives elsewhere: an invoice in one system, a remittance in an email, a discount in an agreement and a question waiting for someone to answer it.
For the person running the business, those are connected facts. They need to know what the payment covers, whether the difference is explained and what deserves their attention next. Finding that context should not require starting the investigation again each time.
That is the idea behind Tervra: a business account with the context around the money close at hand.
One place for the money and the working.
We’re developing Tervra for UK businesses that trade with other businesses and manage their own funds. The account is the starting point. Around it, we’re designing payments, cards, invoices, supporting documents and a clearer view of upcoming decisions.
Separate savings and tax accounts are part of that design, alongside transfers between accounts and both virtual and physical cards. The aim is to make everyday organisation feel coherent: see the position, open the detail and follow the next step.
Payment understanding adds another layer. It brings a receipt alongside what you expected and the evidence that may explain it. A possible match stays a proposal until it has been reviewed. An unanswered question stays visible.
Clarity has to be earned.
Show the source.
An explanation should lead back to the receipt, invoice or document behind it. You should be able to check the working.
Keep uncertainty visible.
Expected money, received money and an unexplained difference are different facts. The interface should make those differences easy to understand.
Keep people in control.
Preparing a decision is different from authorising it. Permissions, review and a confirmed result belong in the journey.
What that looks like in practice.
Imagine a £40,000 invoice and a £37,500 receipt. The £2,500 gap is a starting point for a question, not an answer. A £700 discount and a £500 credit note explain £1,200. That still leaves £1,300 to investigate.
Tervra’s fictional example keeps each part in view: the expectation, the receipt, the supporting evidence and the unresolved amount. It does not turn an explanation into proof of settlement.
Founded by Heven Hanna. Shaped around real work.
Tervra was founded by Heven Hanna. The product is being developed around a practical question: what would make a business account more useful to the people making decisions around it?
Customer discovery is part of that work. We want to understand how businesses manage receipts, reconcile differences, organise spending and decide what to do next. A useful conversation starts with the process you have today, including the parts that already work well.
We do not need confidential customer information to discuss a workflow. An anonymised example, a description of the hand-offs or a recurring question can be enough to start.
Where Tervra is today.
Tervra is in development. Accounts, cards and payment services are not available today, and there is no confirmed launch date. Provider arrangements and product terms remain under development.
Early access is an invitation to help shape the product through discovery. It is not an account application, a reserved place or a guarantee of future access.
- Company
- Tervra Limited
- Company number
- 17410031
- Registered address
- 108 Fonthill Road, London N4 3HT
Your next step
Get to know Tervra.
Explore the product, follow a fictional journey or tell us what matters in your business account.