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Turn  unpaid   invoices to instant working 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.
Access more credit
Go beyond your business credit limit. Tap into spending limits set against each of your buyers.
Transparent pricing
There’s no hidden fees or contracts. You only pay when you finance an invoice.
Financing that doesn’t disrupt your customer relationships. Retain control of payment collections.

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
Quickly pay off those unexpected expenses
Avoid waiting 30, 60 or 90 days to get paid
Don’t let late payers slow you down

Finance an invoice in Kriya 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.

Finance your exports in 45 countries

Grow your business internationally and at home.Credit with Kriya is available in Sterling, US Dollars, Euros and Australian Dollars.

"We’ve worked with Kriya for a number of years and they are a key part of our working capital strategy. What sets them apart from other invoice finance providers is their excellent service, flexibility and commercial approach to problem-solving."

John Miller

"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."

Tibor Kadar

"Offering credit in-house is just not scalable. We need a partner who allows us to scale, who does that as their bread and butter business."

Hussain Hilli
CEO and Co-Founder

"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.”

Tony Vardy
Managing Director

“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.”

Bas Lustenhouwer

Control your cash flow and boost your growth