Cookie Consent

By clicking “Accept”, you agree to the storing of cookies on your device to enhance site navigation, analyse site usage, and assist in our marketing efforts. View our Privacy Policy for more information.

Allica Bank acquires Kriya: Our announcement ->
invoice finance

Help your clients unlock cash flow

With selective invoice financing—Advance up to 90% within 24 hours.

Complete our broker form to submit a lead, or read on to learn more about working with Kriya as a selective invoice finance broker.

We offer our brokers 20% of the fee income (excluding interest). Volume-based incentives apply.

Download our Broker guide
Launched in 2012
£4bn+ credit advanced
Part of Allica Bank
Introduce a prospect
First name*
Last name*
Work email*
Website*
Country*
Company name*
Annual Revenue*
Monthly Invoice Financing required*
Tell us about your merchant and their requirements*
We’ll use this information to get in touch with you about our own and selected partners’ products and services in accordance with our Privacy Policy. Where appropriate, we may securely share your details with one of our vetted partners to discuss suitable funding options. You can unsubscribe at any point. By submitting, you acknowledge we reserve the right to work with businesses that have been trading for a minimum of 12 months and have submitted at least one set of financial accounts.
Thank you for your submission.

If you have any additional documents you'd like to submit, please send them to sales@kriya.co, including "Broker introduction: Company Name" in the subject.

Our commercial team will review the opportunity and come back to you shortly.

If the deal fits our criteria, we will provide indicative terms quickly.

If not, we will let you know and, where appropriate, suggest an alternative funding route.

Visit the Kriya blog
There was an error. Please try again.
60%

Of businesses utilising invoice finance see operational expansion within their first year.

Sign larger orders with bigger clients
Invest in business growth and hiring
Pay your supply chain faster
Cover payroll and fixed costs
Free your team from chasing invoices
Unlock better supplier deals
invoice finance

How it works

1
You raise an invoice for completed work
2
You upload the invoice to Kriya’s Portal
3
Kriya advances up to 90% of the invoice value, minus fees
4
Your debtor pays the full invoice amount into your Kriya trust account on the due date
5
Kriya settles your outstanding balance and releases the remainder to you on the same day

Indicative fees

  • Discount charge:  starting from 2.50% above BoE Base Rate
  • Service fee: starting from 0.25% of funded invoices, subject to a minimum monthly fee of £950
  • Security: Fixed charge over book debts
  • Facility size:  £100k - £3m+
  • Security:  All Asset Debenture (PGs may be applied)
  • Contract term:  starting from 12 months

Implementation Timeline

  • Discovery: 1 day
  • Indicative terms: 1 day
  • Underwriting & legal:  1-2 weeks
  • Activation:  1-2 days via Kriya’s Portal

Who is Invoice Finance for?

Businesses with ≥ 2 years trading
Your debtors are other businesses or public sector entities
Profitable. If loss-making: 12+ months cash runway with clear path to profitability
Consistent monthly invoicing of £100k+ (or equivalent seasonal volumes)
Payment terms up to 120 days
Invoicing for completed, verified work (not future works)
Up-to-date or TTP in place with HMRC
Confidential facility with invoices verified by the debtor via email, portal, or payment certificate confirming completed work
Facilities from £100k to £3m+
Max. 50% debtor concentration; max. 50% OECD export; exceptions reviewed
Not suitable where your debtors systematically pay late
Not suitable for one-off short-term funding
Funding Confidence

Now part of Allica Bank, Kriya unlocks access to a strong capital base, and supports large B2B funding needs.

More financial options

Alongside Invoice Finance from Kriya, Allica Bank also provides business loans, overdrafts, and asset finance

Kriya by the numbers

£4Bn+
Business credit advanced
2.7K
Businesses serviced
300k+
Transactions processed
14+
Years in invoice finance
Success stories
Businesses making the most of invoice finance
Managing cashflow to scale revenue to £20m+ in 2.5 years

Kriya's Invoice Financing enabled Amber Labs to close larger contracts with enterprise and Government clients while maintaining liquidity

invoice finance

“Kriya has been vital in supporting our ambitious growth strategy, offering flexible financial solutions that not only aligned with but strengthened our expansion efforts. Always ready to get on the phone to collaborate, the Kriya team has proven to be a trusted and reliable partner in our journey.”

Sebastien Payet
CEO,
Amber Labs
Enabling big deals with key buyers

Northern Monk can draw down finance against large wholesale orders, and focus on scaling to £20m+ in revenue

invoice finance

“Kriya has been a great help to Northern Monk as we’ve scaled operations and started to sell across several different sales channels. It can be tricky to have an ambitious growth plan and manage cash flow with large end supermarket clients, but having Kriya on your side means you can keep business flowing and take on more contracts with confidence.”

Chris Harrison
CFO,
Northern Monk