LURVOBefore 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.
Financial decisions generated through structured risk analysis.
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
Enforced Invoice
Takes under 2 minutes
No account required
One binding decision
Most payment problems begin before the invoice is sent.
Freelancers 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 freelancer.
Once work begins, leverage disappears.
LURVO exists to prevent that exposure before it 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, freelancers 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 analyzed using deterministic rules designed to reduce payment risk.
Step 3 — Payment structure determined
The system determines the payment structure required to reduce financial exposure.
Step 4 — Invoice generated
The decision is embedded directly into the invoice, enforcing the determined payment structure.
A payment decision becomes an enforceable invoice.
Once the decision is generated, LURVO produces an invoice that enforces the payment structure determined by the system.
Protect your work before financial exposure begins.
Built for real payment-risk situations.
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 evaluates the situation and determines the payment structure required to reduce that exposure before the invoice is sent.