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(sanskrit) action; state of flow

The way we buy online has changed. We expect payments to be frictionless. To buy now and pay later.

But businesses haven’t kept up. Payments are clunky. Running credit control is a drag. Sales don’t convert. Money is left on the table.

B2B buyers expect the B2C payments experience. Flexible. Secure. Instant.
It should just flow.

So we built a full solution, from buyer onboarding and authentication, to flexible payment terms that span all channels. We make business flow brilliantly.

B2B Payments that give business buyers the B2C experience

Powering your B2B growth.
Bigger sales, more often.

•  Frictionless buyer journey
•  Flexible payment terms
•  Unified and multichannel

Kriya is a payment solution journey

Buyer onboarding

We protect you from credit and fraud risk

Spending limits

Instant decisioning and paid upfront

PayNow & PayLater

Flexible payment terms across all sales channels

Buyer services

Buyer metrics, collections, and support

Kriya by the numbers

Kriya is the PayLater Enterprise solution
B2B payments processed
B2B PayLater processed
Countries and counting
B2B PayLater processed

Meet the Kriya team

Anil Stocker
CEO & Co-founder

Anil is Co-Founder and CEO of Kriya, a FinTech pioneering frictionless access to payments and credit for business transactions. Since launch in 2011, Kriya has processed £20 billion B2B payments and advanced £3 billion in credit to UK businesses. Kriya has raised £60 million in equity and £500 million in debt finance to power its development. Anil is an active angel investor in 20+ start-ups across FinTech, Open Banking, B2B marketplaces and crypto. He is a passionate traveller and avid reader.

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Visit our careers page and see our open roles
Martina Trifonova
General Manager

Martina has been with Kriya since 2015 working in various roles within Finance and Operations. She has worked on key projects in the past including fundraising, launching new products and expansion. She is passionate about problem solving and leveraging data to optimise business processes to enable the growth of the business.

Work with us
Visit our careers page and see our open roles
Konstantin Pasechnikov
Chief Technology Officer

Konstantin has a PhD in computer science, over 19+ experience in Software Development, Product Management and Solutions Delivery. Specialising in Finance, Information security, Natural Language Processing and Business Automation.

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Visit our careers page and see our open roles
Marion Delille
Chief Capital Officer

Marion joined Kriya in 2021 after spending most of her career in Investment Banking at Goldman Sachs and Morgan Stanley. She brings 15 years’ experience in FinTech, Financial Strategy, Capital Raising and Investor Relations. Marion is a mother of two young daughters and an enthusiastic yogi.

Work with us
Visit our careers page and see our open roles
Adebayo Lanlokun
Head of Legal & Company Secretary

Passionate about problem solving and helping businesses achieve their aims, Adebayo can often be found crafting solutions to issues before they arise. He has worked on securing several large-scale financing arrangements used to power the payments products supporting our community of business customers.

Work with us
Visit our careers page and see our open roles
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Backed by the best

Meet our board & advisors

Michael Woodburn
Chairman of the Board

Michael Woodburn is Kriya's Board Chairman. He is the current Chief Data Officer at leading UK fintech Clearscore and a former Chief Operating Officer at CapitalOne. Michael brings significant experience of data, analytics and risk management to Kriya.

Jeppe Zink
Board member

Jeppe is a Partner at leading multi-stage venture capital fund Northzone, based in London. He has two decades of venture investing experience, and has a deep focus on fintech investments across Europe.

Paul Forster
Board member

Paul Forster co-founded in 2004 and led the company as CEO through rapid growth to a successful exit. Indeed is a giant of the online job search market and was acquired in 2012 by Recruit Co – one of the world’s largest HR services companies. Under Paul’s leadership grew from start-up to market leader, with over 1,000 employees and 140 million monthly unique users today.

Luke Griffiths
Board member

Luke Griffiths led Klarna’s UK business between 2016 and 2020, and is now the company’s chief commercial officer, where his responsibilities include helping scale the business globally and leading its go-to-market and business development teams.

Ryan Hayward
Board member

Ryan has been at Barclays for ten years. Now, as the Head of Strategic Investments for Europe and Asia, Ryan is responsible for originating, executing and managing the portfolio of strategic principal equity investments across the Barclays group.

Michał Górecki
Board observer

Michał is an Investment Partner at MCI Capital based in Warsaw, Poland. MCI is a leading Central European technology investment company with long-term capital dedicated to growth and buyout investments. Michal has a keen interest in fintech investments.

Myles Dawson
Board advisor

Myles Dawson served as Adyen’s UK Managing Director between 2012 and 2022, opening the company’s first office in this country and leading the UK business to over 100 people, whilst helping Adyen become one of the most valuable fintech companies in the world.

Baroness Susan Kramer
Liberal Democrat Member of the House of Lords

Apart from her significant career in private sector banking and financial consulting, Baroness Kramer has been a huge advocate of the FinTech industry to both the Government and the Bank of England. Currently she is a member of the EU Goods Sub-Committee, as well as the Finance Bill Sub-Committee. As Liberal Democrat Lords Spokesperson for the Treasury and Economy since 2015 too, she’s a well known and respected voice in all things finance.

Shalini Khemka
CEO and Director, E2Exchange

Shalini is the CEO and Board Director of E2Exchange (E2E), which she founded in 2011, as well as a government advisor. With 23,000 members contributing £213 billion to the UK economy and employing 1.15 million people, E2E is the largest and most active network of entrepreneurs. Shalini describes it as ‘ for businesses’ and is enthusiastic about the collaboration this community fosters.

Our story so far

With 12+ years experience in payments and working capital, we’ve helped thousands of businesses and processed £28 billion in B2B payments.


Company launched
Digital Invoice Finance


Series A
£6 million equity


£7.2 million equity
Northzone + MCI Capital


Product Launch:
Term Loans


Product Launch:
Line of Credit


Company Rebrand
Term Loans
Series B
£26 million equity


Product Launch:
Covid Loans


Rebrand to Kriya
B2B Payments


Funding Facility
£50 million debt raise
Interested in working with us?
Ask us how we can help keep your customers' plans on track – not on hold.