Kriya
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.
Quick verdict
- Product: Invoice finance + B2B BNPL + business loan.
- Ticket band: £10k to £1m.
- Pricing: From around 0.5% per month.
- Kriya says it uses a soft search at quote stage, which other lenders cannot see on your credit file.
At a glance
Kriya, at a glance
- Legal entity
- Kriya Finance Limited
- Companies House
- 07330525
- Founded
- 2010
- Product
- Invoice finance + B2B BNPL + business loan
- Ticket range
- £10k to £1m
- Decision time
- 24 to 72 hours
- Ltd-only
- Yes
Where Kriya is strong
- 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.
Watch-outs, and when another lender may suit better
- 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 fit applicants
- B2B Ltd companies with creditworthy debtors
- Invoice finance £25k+
- Businesses extending payment terms
Where Kriya is the wrong fit
- B2C-only businesses
- Sub-£10k tickets
- Sole traders
If declined by Kriya
If your application to Kriya 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 Kriya
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 Kriya?
Kriya offers invoice finance + b2b bnpl + business loan. Ticket range: £10k to £1m. Typical rate: From around 0.5% per month.
How long does Kriya take to decide?
24 to 72 hours Kriya says checking eligibility uses a soft search, so it does not affect your credit score.
Who is Kriya the best fit for?
First on the list: B2B Ltd companies with creditworthy debtors. The full list is under Best fit applicants above.
When might another lender suit better than Kriya?
First on the list: B2C-only businesses. The other cases are under Where Kriya is the wrong fit above.
Send an enquiry
Tell us what you need in 2 minutes. FundBiz is not a lender and does not run a credit check. We pass your enquiry to a business finance broker, who will contact you about your options. For limited companies, LLPs and partnerships with four or more partners.
Send an enquiry →Official site: Kriya
Last updated: . By Adam Parker. FundBiz is owned and operated by Best Business Loans Ltd, directed by Oliver Mackman.