Kriya Finance
Kriya Finance is a London-based B2B embedded finance platform providing invoice finance, Embedded PayLater, and working capital loans to UK SMEs, mid-market businesses, and B2B marketplaces, now operating as part of Allica Bank following its October 2025 acquisition.
- Company typePrivate
- Founded2011
- HeadquartersLondon, United Kingdom
- Headcount101–250
- GTM typeB2B
- OfferingServices
What Kriya Finance does
Kriya Finance is a London-based B2B embedded finance platform, founded in 2011 (originally as MarketFinance, rebranded in 2022), that provides invoice finance, Embedded PayLater (B2B buy-now-pay-later), and working capital loans to UK SMEs, mid-market businesses, and B2B marketplaces. Its technology stack combines open-banking infrastructure with proprietary credit decisioning models trained on 12+ years of data and £28bn+ of processed B2B payments, supporting instant buyer authentication, automated credit limits, and up to 90% invoice advance within 24 hours. Distribution is API-first, with native integrations into Stripe, WooCommerce, Magento, PrestaShop, BigCommerce, and Xero, complemented by a Barclays referral partnership and a 20% fee-share broker network.
The company monetizes through transaction-based fees (discount charges starting at 2.50% above the Bank of England Base Rate, service fees from 0.25% of funded invoices with a £950 monthly minimum, £15 per-advance listing fees, and 1.5% late-payment fees after day 14), recurring subscriptions (£1,000 annual portal license fees and white-label subscriptions), and a capital markets program that places institutional investor capital against invoice portfolios. Multicurrency support covers GBP, EUR, and USD across 45 markets. Following its October 2025 acquisition by Allica Bank, Kriya operates as a wholly-owned subsidiary under its own brand, with a stated joint target to deploy £1 billion in working capital finance by 2028.
Kriya Finance firmographics
Firmographics- Name
- Kriya Finance
- Legal name
- Kriya Finance Limited
- Website
- https://kriya.co
- Company type
- Private
- Founded year
- 2011
- Operating status
- Acquired
- Headcount range
- 101–250 employees
- Short description
- Kriya Finance is a London-based B2B embedded finance platform providing invoice finance, Embedded PayLater, and working capital loans to UK SMEs, mid-market businesses, and B2B marketplaces, now operating as part of Allica Bank following its October 2025 acquisition.
- Ownership category
- akta.pro rank
Kriya Finance industry classification
Industry- Product category
- B2B Embedded Finance
- NAICS
- Sales Financing (522220), Sales Financing (52222), Nondepository Credit Intermediation (5222), Other Nondepository Credit Intermediation (52229)
- SIC
- Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- B2B BNPL (Invoice Split/Net Terms for SMB Procurement) (FSAKACAJ)
- akta.pro secondary industries
- B2B / Invoice-Based BNPL (Trade Credit at Checkout) (FSAGAIAC), B2B Trade Credit at POS (SME Installment/Invoice-at-Checkout) (FSAKAFAO), SME Credit Risk, Underwriting & Financial Data (B2B Fintech Data/Decisioning) (FSAGAJAM)
Keywords
Where Kriya Finance is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
Kriya Finance business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others
Revenue model
- Embedded PayLater / BNPL Interest: Interest charges on payment terms extended to buyers. Late payment fees starting at 1.5% after day 14 overdue. No interest charged for on-time payments.
- Invoice Finance Fees: Discount charge starting from 2.50% above Bank of England Base Rate, service fee starting from 0.25% of funded invoices with minimum monthly fee of £950. Listing fee of £15 per advance and £1000 annual portal license fee.
- Working Capital Loans Interest: Interest accrued on advances drawn against inventory purchases with repayment terms of 30/60/90 days.
- Subscription Fees: Monthly subscription model with minimum utilisation fees for PayLater and invoice finance services. White label service subscriptions available.
- Investor Returns: Capital deployment to institutional investors funding invoice portfolios and BNPL advances, generating risk-adjusted returns in higher rate environment.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Invoice Finance - Discount Charge |
| Subscription | Monthly | Invoice Finance - Service Fee |
| Unit Pricing | Multi-year contract | Invoice Finance - Facility Size |
| Transaction based/ take rate | Pay-as-you-go | PayLater - Late Payment |
| Subscription | Annual | PayLater - Portal License |
| Transaction based/ take rate | Pay-as-you-go | PayLater - Listing Fee |
| Subscription | Monthly | PayLater - White Label |
Go-to-market motion4 records
Distribution channels6 records
Marketing channels7 records
Kriya Finance product offering
Product offeringCore offering
Kriya Finance provides B2B embedded payment and credit solutions to UK SMEs and mid-market businesses. Its core offerings are Embedded PayLater (B2B buy-now-pay-later at checkout), selective Invoice Finance (up to 90% advance within 24 hours), and Working Capital Loans for inventory purchase. The platform is delivered via direct sales, a self-serve portal, an API for software integrations with eCommerce and accounting platforms, and a broker introducer channel.
Product overview
Kriya Finance operates as a B2B embedded finance platform offering a suite of financial tools for businesses. The core product portfolio consists of Embedded PayLater (B2B BNPL for eCommerce and offline), Invoice Finance (selective invoice discounting with up to 90% advance), and Working Capital Loans (on-demand credit facilities). These integrate with add-on capabilities including Kriya Payments Multichannel for offline sales channels, Buyer Authentication for credit decisioning, Stripe integrations for eCommerce checkout, and Kriya PayLater as a hybrid invoice-plus-paylater product. The platform enables merchants to offer flexible payment terms to buyers while receiving upfront liquidity, supporting multicurrency transactions in GBP, EUR and USD. Kriya processes payments across 45+ markets and is backed by Allica Bank following its October 2025 acquisition.
Differentiator
Problem solved
Functional benefit
Products and services
- Embedded PayLater B2B buy now pay later solution enabling merchants to offer flexible payment terms (30, 60, 90 days) at checkout across online and offline sales channels. Built for UK SMEs, mid-market businesses, and B2B eCommerce platforms that want to sign up more buyers and boost conversion by extending credit to B2B customers. Late payment fees start at 1.5% after day 14 overdue with no interest for on-time payments.
- Invoice Finance Selective invoice finance enabling businesses to draw down funds against trade invoices, with up to 90% advance within 24 hours. Targets UK SMEs and mid-market businesses looking to bridge cash flow gaps and invest in growth, with facility sizes from £100k to £3m+ on 12-month-plus contracts. Discount charges start from 2.50% above Bank of England Base Rate with a service fee from 0.25% of funded invoices subject to a £950 monthly minimum.
- Working Capital Loans On-demand working capital loans and lines of credit that enable businesses to purchase inventory and defer repayment on 30/60/90 day terms. Designed for SMEs and mid-market businesses needing liquidity to manage rapid growth and supplier payment cycles.
- Kriya Payments Multichannel (Offline Payments)
Quantifiable outcome
- 136% uplift in Average Order Volume for Halfords using Embedded PayLater
- +7 more outcomes
Companies that use Kriya Finance
Customer profileNamed customers19 records
Segments6 records
Ideal customer profiles4 records
Kriya Finance technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration6 records
AI capability1 record
Feature8 records
Kriya Finance partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- StripecoreDeep integration partnership with Stripe enabling Kriya PayLater at Stripe checkout. Sellers can add flexible payment terms to their Stripe stores. Separate merchant and buyer portals integrated into Stripe ecosystem.
- Barclays BankcorePartnership with Barclays for invoice finance referrals. Barclays refers business customers to Kriya for invoice finance solutions. Key part of Barclays plans to invest in new business models for growth.
Scale indicators17 records
Recent moves6 records
Expansion highlights6 records
Kriya Finance competitors and assessment
Company assessmentDirect peers
- Iwoca: UK-based online lender providing flexible short-term credit lines and loans to SMEs. Directly comparable to Kriya's Working Capital Loans and B2B lending offerings targeting UK small businesses.
- Funding Circle: UK-listed platform offering business loans, invoice finance, and lines of credit to SMEs. Directly competes with Kriya's invoice discounting and working capital products across the UK SME segment.
- Hokodo: European B2B Buy Now Pay Later and trade credit platform offering embedded payment terms for B2B marketplaces and merchants. Most direct competitor to Kriya's Embedded PayLater product.
- Treyd: Swedish B2B BNPL provider offering instant trade credit to merchants selling to businesses. Comparable as a European B2B embedded finance platform targeting similar merchant use cases.
- Balance (formerly Resolve): B2B payments platform offering net terms and trade credit to wholesale buyers and suppliers. Directly comparable to Kriya's Invoice Finance and PayLater for B2B wholesalers and distributors.
- Capital on Tap: UK fintech providing small business credit cards and working capital finance to SMEs. Comparable target market and product overlap with Kriya's working capital and B2B lending offerings.
- Stenn: Global trade finance platform providing invoice financing and working capital to exporters and importers. Comparable in invoice discounting and international trade credit, especially given Kriya's 45-market reach.
- Wayflyer: Revenue-based financing and B2B credit platform for eCommerce and DTC brands. Comparable in providing working capital advances to growing B2B/online merchants, with overlap on Kriya's working capital and inventory financing products.
Broad incumbents
- Allica Bank: Kriya's parent company, a UK digital business bank offering SME lending, deposits, and banking services. Comparable as parent acquirer and broader SME financial services provider absorbing Kriya's capabilities.
- Stripe Capital: Stripe's B2B lending arm providing working capital and financing to businesses using Stripe. Strategic threat and partner given Kriya's deep Stripe checkout integration.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Kriya Finance social profiles
Digital presenceKriya Finance compliance and trust
Trust signalCompliance2 records
Kriya Finance financial estimates
Financial estimateRevenue estimate
Valuation estimate
Kriya Finance leadership team
Management profileNumber of profiles
Profiles5 records
Kriya Finance funding detail
Funding detailFunding overview
Funding rounds12 records
Investors10 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Kriya Finance M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Kriya Finance
What does Kriya Finance do?
Kriya Finance provides B2B embedded payment and credit solutions to UK SMEs and mid-market businesses. Its core offerings are Embedded PayLater (B2B buy-now-pay-later at checkout), selective Invoice Finance (up to 90% advance within 24 hours), and Working Capital Loans for inventory purchase. The platform is delivered via direct sales, a self-serve portal, an API for software integrations with eCommerce and accounting platforms, and a broker introducer channel.
Is Kriya Finance a public or private company?
Kriya Finance is a private company. It is classified as corporate owned and is currently acquired.
When was Kriya Finance founded?
Kriya Finance was founded in 2011. It employs 101 to 250 people.
Where is Kriya Finance based?
Kriya Finance is headquartered in London, United Kingdom, in the Europe region.
How does Kriya Finance make money?
Five revenue lines are on record. Embedded PayLater / BNPL Interest is the primary driver. The others are invoice Finance Fees, working Capital Loans Interest, subscription Fees and investor Returns.
Who are Kriya Finance's main competitors?
Direct peers on record are Iwoca, Funding Circle, Hokodo, Treyd, Balance (formerly Resolve), Capital on Tap, Stenn and Wayflyer. Broad incumbents are Allica Bank and Stripe Capital.
Does Kriya Finance have an API?
Yes. Kriya provides a public-facing Payments API and Onboarding API for developers to integrate Kriya's B2B payment and credit solutions into their applications. The developer documentation at docs.kriya.co includes integration guides, API references, and 'how to' guides for Kriya integration. Developer documentation is at docs.kriya.co/payments.
What industry is Kriya Finance in?
Kriya Finance's product category is B2B Embedded Finance. Its primary akta.pro industry code is FSAKACAJ, B2B BNPL (Invoice Split/Net Terms for SMB Procurement), with a secondary code of FSAGAIAC, B2B / Invoice-Based BNPL (Trade Credit at Checkout). Its NAICS code is 522220 and its SIC code is 6153.