Hydr
Wrexham-based fintech running fully-digital selective invoice finance. Borrowers upload an invoice, receive an advance the same day, and pay a flat fee on settlement. No long-term contract, no whole-turnover commitment. Pitched at SMEs and freelancers underserved by traditional factors.
Quick verdict
- Product: Invoice finance (selective).
- Ticket band: £1k to £150k per invoice.
- Pricing: Flat fee per invoice.
- Hydr says it uses a soft search at quote stage, which other lenders cannot see on your credit file.
At a glance
Hydr, at a glance
- Legal entity
- Hydr Limited
- Companies House
- 08314725
- Founded
- 2012
- Product
- Invoice finance (selective)
- Ticket range
- £1k to £150k per invoice
- Decision time
- Same day to 24 hours
- Ltd-only
- Yes
Where Hydr is strong
- Fully digital onboarding; no broker between borrower and lender.
- Flat fee per invoice rather than per-month interest, easier to compare.
- Same-day funding for verified invoices.
- No whole-turnover commitment.
Watch-outs, and when another lender may suit better
- Per-invoice ticket cap excludes mid-market borrowers.
- Selective only; not a substitute for whole-turnover factoring.
- Smaller balance sheet than mainstream factors.
Best fit applicants
- Selective single-invoice finance
- B2B SMEs and consultancies
- Freelancer and small Ltd companies
Where Hydr is the wrong fit
- Whole-turnover factoring
- Six-figure-per-invoice tickets
- Long-tenor working capital
If declined by Hydr
If your application to Hydr is declined, ask the lender for the reason in writing. Some alternatives are named in the watch-outs section above. See also our guide to why lenders decline, by reason.
Other lenders we list
- 365 Business Finance, Merchant cash advance (revenue-based finance)
- Aldermore, Asset finance, invoice finance, commercial mortgages
- Allica Bank, SME term loan, asset finance + commercial mortgage
- Bizcap, Specialist post-decline / fast cash
How we rate Hydr
This review is FundBiz's own editorial assessment, scored against a published framework. See our methodology for how we rate each lender.
FAQ
What can I borrow through Hydr?
Hydr offers invoice finance (selective). Ticket range: £1k to £150k per invoice. Typical rate: Flat fee per invoice.
How long does Hydr take to decide?
Same day to 24 hours Hydr says checking eligibility uses a soft search, so it does not affect your credit score.
Who is Hydr the best fit for?
First on the list: Selective single-invoice finance. The full list is under Best fit applicants above.
When might another lender suit better than Hydr?
First on the list: Whole-turnover factoring. The other cases are under Where Hydr is the wrong fit above.
Send an enquiry
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Send an enquiry →Official site: Hydr
Last updated: . By Adam Parker. FundBiz is owned and operated by Best Business Loans Ltd, directed by Oliver Mackman.