Business finance
at fintech speed,
backed by a bank.
Invoice finance, business loans and embedded credit for established UK businesses. Competitive rates, fast decisions, seamless customer experience.
- Now part of Allica Bank, the leading UK business bank
- £4bn+ lent to UK businesses
- Keeping business moving since 2012
Trusted by ambitious businesses since 2012
Why CEOs, MDs and Finance Managers choose Kriya
Pricing
Funded at a bank's cost of capital, so you get bank-level rates.
Speed
An indicative offer within 24 hours. Onboarded within a week. Funds when you need them.
Reliability
Bank backing means facilities you can count on, in good times and bad. We take the time to understand your business and requirements.
Unlock funding as you invoice
Scalable. Facilities that grow with your sales ledger, from £500k to £10 million.
Competitively priced. Bank-backed funding with transparent fees. Service fees from 0.25% of funded turnover and discount rates from Base Rate + 2.5%.
Flexible. Put through as much of your invoice ledger as you choose, with full visibility in your Kriya portal.
Why merchants work with us
AK9 Security & FM Solutions – £20.8m turnover in 2025 and 700+ staff paid weekly, funded by Kriya with a £1.5m invoice finance facility while clients pay on extended terms.
Read the storyFinance your next move
Kriya Business Loans for acquisitions, capex and refinancing. Borrow up to £250,000 over 6 years and repay monthly.
Take advantage of the Growth Guarantee Scheme through Allica Bank.
Why merchants work with us
Amber Labs – 120+ consultants and £20m–£25m annual revenue, scaling into government and defence contracts with long procurement and payment cycles.
Read the story
Embed credit for your buyers and suppliers
Kriya’s tools make it easy for you to offer embedded credit, both online and offline.
Unlock Pay Later options for your buyer base, and Instant Payouts for your suppliers, all enabled by Kriya’s integrations.
Why merchants work with us
A merger of fintech speed with a bank’s balance sheet.
As of October 2025, Kriya merged with Allica Bank, the UK’s fastest growing business bank. Together we aim to deploy £1 billion into UK businesses over the next three years across all of our finance products.
Learn how the deal benefits youLet’s find the right facility for you
Takes about a minute to fill out. A member of our team will then reach out to set up a 20-minute call at a time that suits you.
- 1A short consultation focused on your goals and funding needs
- 2A clear view of whether Kriya is the right fit
- 3Indicative terms and a path to getting funded
Kriya’s promise. If we can’t help you, we’ll do our best to refer you to a trusted partner that can, no strings attached.
Questions about Kriya
Tell us what the funding is for and we'll point you to the right product: Invoice Finance against invoices you've already raised, a Business Loan for a planned investment, or Embedded Finance to offer your buyers credit. After a short call, we'll send an indicative offer within 24 hours, and onboarding typically takes about a week.
Most of our customers are UK limited companies or LLPs with annual turnover between £1m and £25m. For Invoice Finance, you'll typically have traded for at least two years and invoice other businesses on credit terms. If you sit outside that, it's still worth a conversation. If we can't help, we'll do our best to refer you to a trusted partner that can.
An indicative offer within 24 hours of your call, and onboarding within a week. Once an Invoice Finance facility is live, approved invoices are funded within 24 hours.
It depends on the product. Invoice Finance has a service fee on funded invoices and a discount rate, a margin over Base Rate charged daily on the funds you've drawn. Business Loans have a fixed monthly repayment and an arrangement fee, with no early repayment penalties. Embedded Finance is priced per transaction. We're funded at a bank's cost of capital, so our rates are competitive.
Not unless you want them to. With Invoice Finance, confidential facilities are available and you keep the customer relationship and collections. With Embedded Finance, you choose whether Kriya appears as the credit provider at checkout or the experience carries your own branding.