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 routing verdict

  • Product: Invoice finance (selective).
  • Ticket band: £1k to £150k per invoice.
  • Decision time: Same day to 24 hours.
  • Pricing: Flat fee per invoice.
  • Soft search at quote stage: no credit-file footprint.

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 (FundBiz routes Ltd / LLP / partnerships of 4+ only regardless)
Last reviewed
2026-05-08

Why we route here

  • 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.

When we route elsewhere

  • 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, the FundBiz post-decline matcher routes by decline reason. Common alternatives in our panel are listed in the "When we route elsewhere" section above. See also our Hydr decline runbook for sector-specific routing detail.

Other panel lenders

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.

Run the matcher

Tell us your turnover, sector and ticket size. We score against Hydr and the wider FundBiz panel, then surface the lenders most likely to approve. Limited companies, LLPs and partnerships of 4+ only.

Open matcher →

Last reviewed: 2026-05-08. By Oliver Mackman.

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Soft credit search · Decision in 24-72 hours · Limited companies, LLPs and partnerships of 4+