Unlock funding as you invoice

An indicative offer within 24 hours and onboarding within a week. Once your facility is live, approved invoices are funded within 24 hours.

You don't have to. Kriya offers selective invoice finance. You choose which invoices to fund, one at a time, and the rest of your ledger is untouched.

Not unless you want them to. Confidential facilities are available, and you keep the customer relationship and the collections throughout.

You do. You keep the relationship and the collections, so nothing changes from your customer's point of view. Your customer pays into a Kriya trust account on their normal terms.

We ask for basic financial documents (e.g., your most recent filed accounts, recent management figures, an aged debtors report) and a short conversation about what you're funding.

Usually, yes. You draw down against invoices you've already raised, so the cash arrives when you deliver rather than when your customer decides to pay.

Yes. A Kriya facility doesn't have to be exclusive, so it can sit alongside your existing one, as long as your current lender's agreement allows a second facility. If you'd rather move your facility to us, we'll help you transfer quickly. Tell us who you're with and we'll tell you which option works.

Yes. The facility is secured against the invoices you raise, so the more you invoice, the more funding is available, without a new application.

A discount rate, charged daily on the funds you've drawn (a margin over Base Rate, fixed for your facility), and a service fee on funded invoices. The illustration above shows an indicative breakdown.

Invoice finance has a 1-year contract term.

If an invoice goes unpaid beyond an agreed period, it's recoursed back to you and the advance is repaid, usually by offsetting against your next drawdown. We'll always talk to you before that point rather than springing it on you.

For invoice finance, it depends on our review of your business; where one is needed, we tell you at the point we give you terms, never later.

Yes. Invoice finance and a working capital or business loan can run alongside each other under one relationship and one underwriting process. Amber Labs uses both.

Invoice finance advances money you're already owed, so the amount available moves with your sales ledger and there's no fixed repayment schedule. A loan is a fixed sum you borrow and repay over an agreed term, whether or not your sales change. If the cash is already earned, invoice finance is usually cheaper. If you're funding something before the revenue exists, you need a loan.

We fund at a bank's cost of capital, which means more capacity and more competitive pricing, and you can add a business account, overdraft or asset finance through Allica under the same relationship. Existing facilities and your points of contacts are unchanged.