Lender review · Invoice finance + B2B BNPL + business loan
Kriya
- Reviewed May 2026
- Editor Oliver Mackman
- Companies House 07330525
- Methodology Public
Originally MarketInvoice (2010), rebranded MarketFinance, then rebranded again as Kriya in 2022. Now a multi-product platform: selective invoice finance, B2B buy-now-pay-later for trading partners, and unsecured business loans. Strong fit for B2B businesses with creditworthy debtors.
Director, BestBusinessLoans
Oliver leads BestBusinessLoans's editorial reviews and methodology. With a background in UK commercial finance, he oversees lender research, rate verification and review independence.
Last reviewed: 8 May 2026
At a glance
- Product
- Invoice finance + B2B BNPL + business loan
- Ticket size
- £10k to £1m
- Typical rate
- From around 0.5% per month
- Decision time
- 24 to 72 hours
- Soft search at quote
- Yes
- Limited companies only
- Yes
- FCA regulated
- Yes (check the FCA Register)
- Companies House
- 07330525
- Founded
- 2010
Scores against our methodology
- Rate transparency3/5
- Eligibility clarity4/5
- Decision speed4/5
- Decline handling4/5
How Kriya works
Kriya operates as a invoice finance + b2b bnpl + business loan provider in the UK SMB market. Originally MarketInvoice (2010), rebranded MarketFinance, then rebranded again as Kriya in 2022. Now a multi-product platform: selective invoice finance, B2B buy-now-pay-later for trading partners, and unsecured business loans. Strong fit for B2B businesses with creditworthy debtors.
The product mechanic is straightforward in shape but the underwriting is sector-specific. Tickets sit in the £10k to £1m band, decisions land within 24 to 72 hours, and the published rate range is From around 0.5% per month. Soft search at quote means no impact on your credit file at the eligibility stage. Kriya is FCA regulated.
Where Kriya fits best: b2b ltd companies with creditworthy debtors, invoice finance £25k+, businesses extending payment terms. Where it does not fit: b2c-only businesses, sub-£10k tickets, sole traders.
Pricing examples
Worked examples using Kriya's published rate range (From around 0.5% per month). Simple-interest approximation, mid-band rate. Real offers will differ and should be confirmed on the lender quote.
| Ticket | Term | Estimated total cost | Approx monthly |
|---|---|---|---|
| £25,000 | 24 months | £28,000 | £1,167 |
| £50,000 | 36 months | £59,000 | £1,639 |
| £100,000 | 48 months | £124,000 | £2,583 |
Indicative only. Confirm on a Kriya quote.
Eligibility
- Trading time: typically 12 to 24 months minimum for the cleanest pricing.
- Turnover floor: not always published. As a working figure, expect a £100k+ turnover requirement for term loans of £50k+. Smaller tickets and MCA structures have lower floors.
- Sector exclusions: B2C-only businesses; Sub-£10k tickets.
- Credit profile: Clean credit preferred; older satisfied items often acceptable.
- Company structure: Limited companies only.
- Best fit: B2B Ltd companies with creditworthy debtors; Invoice finance £25k+; Businesses extending payment terms.
Pros
- + Selective invoice finance: pick which invoices to advance.
- + B2B BNPL product genuinely useful for businesses with delayed-payment customers.
- + Direct lender; no broker mark-up.
- + Fast decisions for clean cases.
Cons
- − Three rebrands in 12 years; brand recognition fragmented.
- − Per-month rate quoting on some products hides effective APR.
- − Tied to debtor-quality on the IF and BNPL products.
Best for
- · B2B Ltd companies with creditworthy debtors
- · Invoice finance £25k+
- · Businesses extending payment terms
Weak at
- · B2C-only businesses
- · Sub-£10k tickets
- · Sole traders
When to use Kriya
Use Kriya when
Your application matches the best-fit profile: b2b ltd companies with creditworthy debtors, invoice finance £25k+, businesses extending payment terms. The published ticket range (£10k to £1m) covers your ask, the decision speed (24 to 72 hours) fits your cash-gap timeline, and the rate range (From around 0.5% per month) is acceptable to you given your credit profile. Soft search at quote means there is no downside to running an eligibility check before committing.
Do not use Kriya when
Your profile sits in the weak-at list: b2c-only businesses, sub-£10k tickets, sole traders. Kriya will likely decline, and the decline itself can sit on broker records for 90 days. If you have any of these flags, route directly to a specialist (post-decline lender, MCA against card flow, asset-backed alternative) rather than using Kriya as a screen.
FAQs
What is the minimum trading time for Kriya?
Kriya typically asks for 12 to 24 months of trading. Newer businesses can sometimes qualify against alternative underwriting (card flow for MCA, asset security for asset finance), but the cleanest pricing tends to require two full sets of accounts.
Does Kriya require a personal guarantee?
Most UK SMB lenders require a personal guarantee from at least one director. Kriya is no exception in the standard case. The few exceptions: asset-backed lending where the asset itself stands as security, and a small number of MCA structures where card flow is the underwriting basis. For invoice finance + b2b bnpl + business loan specifically, expect a PG to be requested.
How fast does Kriya fund?
Kriya quotes 24 to 72 hours for an underwriting decision. Funding to bank account typically follows within one to three working days of acceptance, subject to KYC, signed documents, and (where applicable) registration of any debenture or charge.
What rate should I expect from Kriya?
Kriya's published range is From around 0.5% per month. The headline number is rarely the offered number. Rate transparency on this lender scores 3/5 in our methodology. Expect the cleaner end of the band only if you have 2+ years of trading, clean credit, and turnover comfortably above the lender's stated floor.
What happens if Kriya declines me?
If Kriya declines, you have three realistic next steps. First, ask for the decline reason in writing, most reputable UK lenders will tell you. Second, route the application to a specialist post-decline lender (Bizcap, JPM Capital, Bolton Finance) where credit issues are the constraint, or to an asset-backed alternative where security is available. Third, use a broker panel to fan the application across the lenders most likely to accept your specific decline reason. Kriya scores 4/5 on decline handling in our methodology.
Where to apply
Apply directly via www.kriya.co, or use our free quote form to be matched across the UK broker panel most likely to approve your specific profile, not just Kriya.
Specialty alternatives
See all lender reviews for alternatives.
Reviewed by Oliver Mackman, Director. Last reviewed: 8 May 2026. Lender website: www.kriya.co.