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Kriya Review

Figures last checked . Independent review by Lendus — we are an introducer, not a lender, and are not paid by Kriya.

What does Kriya offer UK businesses?

Kriya does not offer a direct lending product. Kriya does not publish fixed interest rates, factor rates or a representative APR on its website. It describes its invoice finance pricing as pay-as-you-use with no hidden fees, and says a member of the team will provide an initial terms and pricing offer after reviewing an application. No rate figures could be confirmed from a primary source.. Figures checked 23 August 2026 and indicative only.

Kriya is a UK business finance provider offering invoice finance and working capital loans, headquartered in London. The underlying company was incorporated in July 2010 and publicly launched in 2011 as MarketInvoice, one of the UK's earliest online invoice finance platforms. It rebranded to MarketFinance in November 2019 as it expanded into business loans, then rebranded again to Kriya in November 2022 as it moved into embedded finance products such as PayLater for B2B buyers. Kriya states it has advanced over £4 billion in credit to UK businesses since launch. In October 2025 the company was acquired by Allica Bank and now trades as "Kriya from Allica Bank".

Written by the Lendus editorial team. Last updated: April 2026.

200+ UK lenders
2-minute application
No credit check to apply
FCA-regulated brokers

Amount

£50k – £1M

Rates

N/A – N/A

Kriya does not publish fixed interest rates, factor rates or a representative APR on its website. It describes its invoice finance pricing as pay-as-you-use with no hidden fees, and says a member of the team will provide an initial terms and pricing offer after reviewing an application. No rate figures could be confirmed from a primary source.

Speed

Invoice finance: once approved, funds are advanced within 24 hours of uploading an invoice. Working capital loans: Kriya's own site states a member of the team will respond with an initial terms and pricing offer within 1 week of enquiry.

What is Kriya?

Kriya (Kriya Finance Limited) is a UK-based business finance provider founded in 2011 and headquartered in London. Kriya is a UK business finance provider offering invoice finance and working capital loans, headquartered in London. The underlying company was incorporated in July 2010 and publicly launched in 2011 as MarketInvoice, one of the UK's earliest online invoice finance platforms. It rebranded to MarketFinance in November 2019 as it expanded into business loans, then rebranded again to Kriya in November 2022 as it moved into embedded finance products such as PayLater for B2B buyers. Kriya states it has advanced over £4 billion in credit to UK businesses since launch. In October 2025 the company was acquired by Allica Bank and now trades as "Kriya from Allica Bank". They have lent £4 billion+ to date, helping Thousands of UK businesses UK businesses.

Founded 2011 London Kriya Finance Limited (company number 07330525) is supervised by the Financial Conduct Authority for anti-money laundering purposes, FCA reference number 750199. This is AML supervision, not full FCA authorisation to carry out regulated consumer credit or invoice finance activities; Kriya's own terms, FAQ and footer pages do not claim broader FCA authorisation for its lending products.

Where these details come from

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Products offered

Invoice FinanceBusiness Loans

Rates and costs

Rate range
N/A – N/A (Kriya does not publish fixed interest rates, factor rates or a representative APR on its website. It describes its invoice finance pricing as pay-as-you-use with no hidden fees, and says a member of the team will provide an initial terms and pricing offer after reviewing an application. No rate figures could be confirmed from a primary source.)
Representative APR
No published representative APR
Amount range
£50,000 – £1,000,000
Approval speed
Invoice finance: once approved, funds are advanced within 24 hours of uploading an invoice. Working capital loans: Kriya's own site states a member of the team will respond with an initial terms and pricing offer within 1 week of enquiry.

Eligibility requirements

Minimum trading history
Minimum 12 months trading with at least one set of financial accounts filed for invoice finance and working capital loans. Kriya's PayLater product has a lower minimum of 3 months trading.
Minimum turnover
No fixed minimum turnover is published. Kriya's own enquiry form for working capital loans collects annual revenue starting from a '£0 to £0.5m' bracket, suggesting no strict turnover floor for initial consideration.
Credit requirements
Kriya does not publish a minimum credit score. For invoice finance, funding decisions are based mainly on the strength of the business's sales ledger and its customers' payment history rather than a published personal credit threshold for directors. For working capital loans and invoice finance alike, the business must have traded for at least 12 months and have submitted at least one set of financial accounts. As part of Allica Bank since October 2025, Kriya also carries out standard AML and KYC checks, consistent with the AML supervision covered by its FCA reference number.

How to apply

1

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2

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3

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4

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Pros and cons

Pros

  • Invoice finance advances up to 90% of outstanding invoice value, with funds released within 24 hours of an approved upload, per Kriya's own site
  • Long track record in UK business finance, trading continuously since 2011 (as MarketInvoice, then MarketFinance, now Kriya) with over £4 billion in credit advanced
  • Backed historically by Barclays Bank, Santander Innoventures and British Business Bank, and since October 2025 wholly owned by Allica Bank, adding balance-sheet strength
  • Kriya describes invoice finance pricing as pay-as-you-use with no long-term contract tie-in and no hidden fees
  • Working capital loan terms can be structured up to 5 years, giving flexibility to match repayments to affordability

Cons

  • No interest rates, factor rates or representative APR are published online, so pricing cannot be compared upfront and is only revealed after enquiry
  • Kriya's FCA reference number (750199) covers supervision for anti-money laundering purposes only; it is not full FCA authorisation and regulation of consumer credit or invoice finance activity
  • Working capital loan applicants wait up to a week for an initial terms and pricing offer, slower than instant-decision competitors
  • Minimum 12 months trading history and at least one filed set of accounts are required for invoice finance and working capital loans, ruling out very early-stage businesses (PayLater aside)
  • No published minimum or maximum facility size, making it hard to judge in advance whether a funding request fits Kriya's typical deal size

Is Kriya right for you?

Best for

Established UK businesses with at least 12 months trading history that want to release cash tied up in unpaid invoices through invoice finance, or that need a working capital loan and are comfortable proceeding without a published headline rate until they enquire directly.

Not ideal for

Brand-new start-ups under 12 months trading (outside the PayLater product), businesses that want a published rate or representative APR to compare before applying, or those needing a funding decision faster than the roughly one week Kriya quotes for working capital loans.

Kriya alternatives

If Kriya isn't the right fit, consider these alternatives:

iwoca Bibby Financial Services Ultimate Finance

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Frequently asked questions about Kriya

Is Kriya legit?
Yes. Kriya Finance Limited is an active company registered in England and Wales (company number 07330525), trading continuously since 2011 under the names MarketInvoice, then MarketFinance, and now Kriya. It has advanced over £4 billion in credit to UK businesses and was acquired by Allica Bank in October 2025. It is worth noting that Kriya's FCA reference covers anti-money laundering supervision only, not full FCA authorisation for its lending products; see below for details.
What is the difference between Kriya, MarketFinance and MarketInvoice?
They are the same legal entity under three different trading names. The company launched in 2011 as MarketInvoice, a digital invoice finance platform. In November 2019 it rebranded to MarketFinance as it expanded into business loans. In November 2022 it rebranded again to Kriya as it moved into embedded finance products such as PayLater for B2B buyers. Companies House records confirm the registered entity's previous names as MarketInvoice Limited and MarketFinance Limited before its current name, Kriya Finance Limited.
Is Kriya FCA regulated?
Kriya Finance Limited is supervised by the Financial Conduct Authority for anti-money laundering purposes, under FCA reference number 750199. This is a narrower status than full FCA authorisation to conduct regulated consumer credit or invoice finance business, and Kriya's own site does not claim that broader authorisation. If FCA-regulated lending status specifically matters to you, check the FCA Financial Services Register directly before applying.
What are Kriya's interest rates?
Kriya does not publish fixed interest rates, factor rates or a representative APR online. It describes its invoice finance pricing as pay-as-you-use with no hidden fees, advancing up to 90% of an invoice's value, and says pricing is confirmed individually after an application. Compare this against lenders that do publish a representative APR if rate transparency before applying matters to you.
How fast is Kriya's approval and funding?
For invoice finance, Kriya states that once an invoice is approved, funds are advanced within 24 hours. For working capital loans, Kriya's own site says a member of the team will respond with an initial terms and pricing offer within one week of enquiry, which is slower than instant-decision lenders.
What businesses are eligible for Kriya?
Kriya requires a minimum of 12 months trading history and at least one set of financial accounts filed for both invoice finance and working capital loans. Its PayLater product has a lower bar of 3 months trading. Kriya does not publish a fixed minimum turnover requirement; its own working capital loan enquiry form accepts businesses from its lowest revenue bracket of £0 to £0.5m upwards.
Kriya vs iwoca, which is better?
It depends on what you need. iwoca is built around fast, largely automated online decisions on smaller flexible facilities. Kriya's strength is invoice finance, advancing up to 90% of outstanding invoice value against your sales ledger, but its working capital loan route takes around a week for an initial offer and it does not publish rates online in the way some competitors do. If speed and upfront rate visibility matter most, compare both directly; if you specifically need funding tied to unpaid invoices, Kriya's invoice finance product is the more direct fit.
Was Kriya acquired by Allica Bank?
Yes. In October 2025, Allica Bank completed a full acquisition of Kriya. Kriya now trades as "Kriya from Allica Bank" and the acquisition was announced as part of a plan to expand SME working capital finance, combining Allica's banking balance sheet with Kriya's existing invoice finance and lending technology.

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