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Turn unpaid invoices into instant capital

Bridge cash flow gaps and invest in your growth with flexible invoice finance.

Get paid sooner
Get a cash advance on selected invoices before they’re due. Access fast working capital when you need it on a pay-as-you-go basis.

Get funded faster

No waiting. Get up to 90% of your invoice funded within 24 hours.

Transparent pricing

No hidden fees or contracts. You only pay when you finance an invoice.

Access more credit

Go beyond your business credit limit. Tap into instant buyer spending limits.


Control payment collections, keeping customer relationships smooth.

Make it happen with Invoice Finance

Take control of your cash flow and advance the funds owed to you from outstanding invoices.

•  Cover your overheads & payroll
•  Invest in business growth and hiring
•  Pay off those unexpected expenses
•  Avoid waiting 30, 45 or 60 days to get paid
•  Don’t let late payers slow you down
Finance an invoice in theKriya Merchant Portal


Get Credit
  • Upload the invoice details and your buyer’s company information.
  • We’ll run an instant credit check and allocate a spending limit.
  • Get an advance of up to 90% within 24 hours.
  • Choose the invoice payment terms from a range of flexible options.
  • We’ll let you know the fee upfront.


Funded in 24 hours!


  • Your buyer pays off the invoice as normal, into our trust account.
  • You're fully in control of collections and your buyer won’t hear from us.
  • Once the invoice is paid, we’ll send you the balance, minus our fees.
Keep your online sales flowing
Boost growth with flexible payment terms across all of your channels.

eCommerce Payments

Give buyers the choice to pay on their own terms and provide a frictionless checkout experience.

Multichannel Payments

Give buyers spending limits and flexible payment terms for offline orders, such as tele-sales, invoice and in-store.

Finance your exports in 45+ countries
Grow your business internationally and at home. Credit with Kriya is available in Sterling, US Dollars, Euros, Australian Dollars, and more.
Accelerate your revenue and growth
Take Kriya for a test drive today

“Being able to offer flexible payment terms to our B2B customers underpins our market offering. We want to invest in modernising the checkout process and we’re excited to work with Kriya to digitise and provide flexible payment terms to a much wider range of trade customers.”


“Being able to offer credit has helped our customers manage their working capital and buy more. As a result, customers appreciate our service even more, as evidenced by higher repeat purchase and retention levels for customers that make use of Nivoda credit.”


"The integration process was very smooth, the team’s level of professionalism and efficiency in addressing issues left us thoroughly impressed. The team was well-prepared and had a strong understanding of the product."


“We've had significant growth since we've started offering credit at checkout with Kriya. We are now doing over £100,000 a month with Kriya just because we're offering that service for them. And I can see that that growth is just going to continue to skyrocket.”


"Integrating Kriya Payments has been quick and simple, the team were supportive throughout the whole process and we are already seeing results! Customers love the new offering and our sales team love being able to offer instant credit accounts to customers.”


“Something I really love about the Kriya relationship is that it feels like a partnership rather than a service provider who's selling you something.”