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 routing verdict

  • Product: Invoice finance + B2B BNPL + business loan.
  • Ticket band: £10k to £1m.
  • Decision time: 24 to 72 hours.
  • Pricing: From around 0.5% per month.
  • Soft search at quote stage: no credit-file footprint.
  • FCA-authorised.

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

Why we route here

  • 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.

When we route elsewhere

  • 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, 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 Kriya decline runbook for sector-specific routing detail.

Other panel lenders

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.

Run the matcher

Tell us your turnover, sector and ticket size. We score against Kriya 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+