A loan for whatever the next move is.
Equipment, a bigger team or refinancing an expensive loan? Whatever your business needs, we’ll structure the loan around it.
- From £10k to £250k, repaid in up to 6 years
- Fixed rates and monthly repayments, directly debited from your account
- Backed by Allica Bank
Trusted by ambitious businesses since 2012
A business loan, without the wait.
Digital application process. No waiting around.
1. Discovery call and indicative terms
2. Share your banking data
3. Sign the contract and go live
4. Draw down
Fixed repayments.
One fixed monthly repayment
The same amount every month for the life of the loan.
Bank level pricing
You get competitive, risk-adjusted pricing because we’re owned by a bank and funded at a bank’s cost of capital.
No early repayment penalties
Settle ahead of schedule and you pay only for the time you borrowed. No lock-in and no exit fees.
Why merchants work with us
With Kriya funding bridging long client payment cycles, Amber Labs could hire senior consultants and take on larger contracts, doubling its revenue in two and a half years to over £20m a year.
Amber Labs used a Kriya Business Loan to bridge the long payment terms that come with government and enterprise contracts. Founded in 2020, the London consultancy now has over 120 consultants delivering digital, data, cloud and AI transformation for clients across defence, transport and the public sector.
Questions about business loans
A working capital loan covers short-term needs such as stock, materials or payroll, and is usually repaid within a year or two. A business loan is a lump sum for a larger, longer-lived purchase, repaid over a term matched to what you have bought. If you are not sure, tell us what the money is for and we will suggest the structure.
It depends on the structure. Working capital loans are shorter term and sized around the gap you're funding. Business loans run longer, with the term matched to what you're buying. Government-backed lending under the Growth Guarantee Scheme is capped at £2m per business group, with terms up to six years.
Yes. Government-backed term lending is provided by Allica Bank as an accredited lender under the British Business Bank's Growth Guarantee Scheme.
Yes, and many customers do. One relationship, one underwriting process, and no second funder to manage. Amber Labs runs a working capital loan alongside an invoice finance facility.
Yes. There are no early repayment penalties. Settle ahead of schedule and you pay only for the time you borrowed.
A fixed monthly repayment, set out in your offer, plus an arrangement fee. There are no early repayment penalties, so if you settle ahead of schedule you pay only for the time you borrowed.
Days rather than weeks. A short call, our standard credit assessment, then a written offer setting out the rate, the term and the monthly repayment.
No. The government guarantees 70% of the outstanding balance to the lender, which is what allows lending to businesses without conventional security. Your business remains 100% liable for repaying the loan in full. What the scheme does protect is your home, because a lender cannot take your principal private residence as security.
We generally take a personal guarantee for a business loan. Under the Growth Guarantee Scheme, a lender cannot take your principal private residence as security.
Yes, we generally take a personal guarantee for a business loan.
Just a few months of bank statements, plus a clear picture of what the money is for and your desired repayment term. In some cases for larger loans, we'll request management accounts and statutory accounts.
We'll tell you why. And if we can't help, we'll do our best to refer you to a trusted partner who can, no strings attached.
Let’s find the right facility for you
Takes about a minute to fill out. A member of our team will then reach out to set up a 20-minute call at a time that suits you.
- 1A short consultation focused on your goals and funding needs
- 2A clear view of whether Kriya is the right fit
- 3Indicative terms and a path to getting funded
Kriya’s promise. If we can’t help you, we’ll do our best to refer you to a trusted partner that can, no strings attached.