Our Mission

Ridding the creative world of financial roadblocks.

Creative work is essential to our culture and economy, but too many creatives are still making financial and emotional sacrifices just to keep going.

Turning down dream projects. Taking on work that doesn't fit. Using personal savings or giving away precious equity just to bridge cash gaps.

We're here to remove those barriers, so creative businesses can focus on doing their best work, not surviving their payment terms.

Not Your Old 'Factoring' Business

What we're doing with Yoru isn't a new concept in the world of Finance.
But it is an outdated one.

If you need any proof of that, the traditional term 'Factoring' goes back to the 17th century, when merchants used middlemen called "Factors." A Factor was someone who handled trade, credit, and collections on behalf of a business.

But traditional factoring was built for factories, logistics firms, and wholesalers - not for agencies, studios, freelancers, or creators. It came with long contracts, hidden fees, minimum volumes, and a sense of handing your business over to a bank.

So we're bringing it up to speed (and making it a lot easier to understand).

Our Payments Accelerator is the modern, flexible update:

  • No long lock-ins.
  • No aggressive debt-collection behaviour.
  • No loss of control over your client relationships.
  • No awkward conversations (your client barely feels the change).
  • Designed around creative workflows, not industrial ones.

It's the same core idea - faster access to your own money - but adapted for businesses that run on creative talent, not coal.

Our Story

Why Creatives?

Creative businesses feel cash flow pain more than most.

Project-based work

Project-based work, sliding timelines, scope creep and high upfront costs all collide with long payment terms.

Hard to "prove"

Because creative output is hard to "prove" on a spreadsheet, creatives are often the ones waiting longest.

Drains confidence

As finance specialists with deep roots in the creative world, we've seen how that pressure does more than squeeze a P&L. It drains ideas, confidence, and the freedom to take risks.

Fragile process

The creative process is fragile. It needs time, headspace, curiosity, and the freedom to focus on the work.

Meet the team

Real people. Real experience. One mission: empower creatives with better finance.

Born out of frustration with outdated systems and inspired by the potential of small businesses, we created Yoru to make financial solutions more accessible, intelligent, and tailored.

We're a team of innovators with a shared mission: to simplify and accelerate access to finance through the use of technology.

With deep experience in finance, technology, and the creative economy, we bring a unique perspective to solving complex challenges for modern businesses.